Rating based on 32 reviews

EC Finance

  • Student loans up to R120,000
  • Low-interest starting from 32.10%
  • Repayment up to 60 months

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EC Finance homepage
Author EC Finance. Screenshot of EC Finance website.
[Accessed January 24, 2023]

About EC Finance

Life is filled with tough decisions and difficult ultimatums. Deciding what you are going to do with your future is one thing but determining how you are going to achieve that is a whole different ball game.

But this is where the experts at EC Finance step up to the plate.

Your one-stop personal loan shop

As personal loan brokers, they do not lend to borrowers directly – instead, they assist those in need of financial assistance to find a lender that is best suited to their needs and circumstances. Even if you have tried other lenders in the past and have been met with disappointment, they guarantee that they will provide you with a more positive outcome. It is their goal to provide cash loans to all South Africans who find themselves in financial need – especially students who are searching for a means to further themselves. Luckily, many of their affiliated credit providers specialise in student loans.

A loan of many names

As you would have seen they are a specialist personal loan broker. But what exactly are personal loans? The definition is in the name: personal loans are designed to cater for any personal need that a borrower has. There is a range of different forms of personal loans such as vehicle finance, debt consolidation loans, and student loans among others. These loans are so popular because of their versatility and flexibility – which is a good thing because this means that there are hundreds of deals available when you are on the hunt for the ideal student loan provider. And they can hook you up with them!

EC Finance Services

It is their mission at EC Finance to locate the ideal student loan provider for your personal circumstances.

Their staff wants nothing more than to see you succeed – they take pleasure in being able to improve their clients’ lives.

Student loans and how they can help you

Whether you have just completed high school or have decided it is time to get a tertiary education, the chances are that you do not have a small fortune saved up to cover the costs involved with tertiary education. This is why student loans have been designed: this form of good debt will not only allow you to expand your skillset and knowledge but will also get you onto the path of success that you wish to follow in the future. As most of the credit providers they are affiliated with are based online, this means that they are able to secure finance efficiently and quickly. Student loans range from low values of R1 000 up to R60 000 depending on your needs and circumstances.

The beauty of modern finance

With the assistance of modern technology, they are here to help you help yourself. Their loan calculators enable borrowers to make a rough estimation of the potential monthly repayments they can incur based on the total loan amount they have chosen. This is an easy way to understand your financial situation and to find that repayment sweet spot that you are able to afford and successfully budget for. All you need to do is visit their website and look for the calculator – it is that simple!

EC Finance – Student loan

  • Loan Type Student loans
  • Interest Rate 32.1060% p/a
  • Loan Amount up to R120,000
  • Repayment 60 months

Benefits of EC Finance

  • Apply for a loan with bad credit
  • Apply for a loan up to R120 000

Student loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This student loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

EC Finance – helping you finance your future

Getting a head start on your future can never start too early. So why not start today by completing their simple online application?

Once you have done so, one of their expert advisors will be able to set up a meeting where they can discuss all your financial needs.

The terms and conditions

As a broker, they do not have strict requirements for signing up for their services. In fact, they encourage all to complete a loan application. It is never too early to discuss a way forward for your financial future. Even if they cannot find a lender for you right now, they can provide some expert advice to help get you there.

Where do you sign up?

On their website of course! Completing the application is as easy as visiting their website. As long as you have a Smartphone, Tablet, or personal computer with internet accessibility then you can complete their application form. You can apply anywhere and anytime – isn’t that great?

Their policy on poor credit

Their policy is that there is no policy! While many financial institutions and credit providers shun those with poor credit, they are different at EC Finance. Everyone deserves a second chance and they are here to help them to find it. Many of their lenders are bad credit providers so they can manage to get you a loan despite your credit situation.

Customer Reviews & Testimonials

September 2019

I was worried that I would never get the opportunity to go further my education but thanks to EC Finance and their hard work I now have a student loan that covers everything!

Luwando V
— Rustenberg —

February 2019

With a less-than-ideal credit history, I didn’t think that a credit provider would give me a chance, but EC Finance found a lender I could trust and afford. They are truly the best!

Lloyd M
— Cape Town —

EC Finance Contact

Contact Number


  • not available


Physical Address

  • 11 Long St, Cape Town City Centre Cape Town Western Cape 8000 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed