About the service
No. We're a free loan-matching service. We compare NCR-registered credit providers and show the ones most likely to approve you. The lender you choose makes the decision and pays out the loan.
No. Matching involves no credit check. A check only happens when you complete a full application with the lender you pick — that's an NCA requirement no lender can skip.
Lenders pay us a marketing fee when you take out a loan through our links. It never increases your loan price — costs are capped by the NCA regardless of how you found the lender.
Yes — data is handled under POPIA, sent over SSL, and only shared with lenders you choose. Details in our Privacy Policy.
Amounts, speed and costs
R500 – R8 000 over 5 to 180 days. First-time borrowers usually start smaller; limits grow with successful repayment. See payday loans and short-term loans.
Decisions take ±15 minutes; payout is usually the same business day. Morning applications with clear documents are fastest — see same-day loans.
NCA caps: 5%/month interest on a first loan (3% on repeats in the same year), initiation fee R165 + 10% of the amount above R1 000, R60/month service fee, plus VAT on fees. Try the calculator for your exact numbers.
Yes — the NCA lets you settle small credit agreements early without penalty, saving the remaining interest and service fees.
Eligibility
SA ID, bank account in your own name, proof of income (latest payslips or 3 months' bank statements) and a working cellphone number. Age 18+.
Sometimes — some lenders weigh current income over history, typically for R500 – R4 000. Never guaranteed. Full picture: loans for blacklisted.
Some lenders accept regular grant or pension income paid into your own account. Amounts are smaller and affordability rules still apply.
No — new credit is prohibited until you receive a clearance certificate. Lenders see the review flag and must decline.
Yes — you'll typically prove income with 3–6 months of bank statements instead of payslips.
Repayment problems
Contact the lender before the debit date — most can reschedule. Missing payment triggers penalty fees and credit record damage. Struggling with multiple debts? Call the NCR on 0860 627 627 about debt counselling.
First complain to the lender in writing. Unresolved? Escalate to the National Credit Regulator: 0860 627 627 or complaints@ncr.org.za. Know your NCA rights.
Question answered? Get your offers
One 2-minute form. NCR-registered lenders only. 100% free.