Smart loan comparison for every borrower

Auto

Best for: Individuals earning at least R6,000 a month with a clear credit record looking to finance a car under 10 years old.

Age 18+ · Driving licence · Earn at least R6,000 a month

Mortgage

Best for: First-time home buyers with a solid income and good credit looking for additional financial support.

Proof of income · Proof of residence · Debit order or salary stop order

Consolidation

Best for: Individuals with a steady income of at least R5,000 who need to consolidate multiple debts.

South African ID · Regular monthly income of at least R5,000 · Proof of residential address

Short-Term

Best for: This loan is best for individuals needing immediate funds, especially for unexpected expenses.

Cellphone number, SA ID number, bank account details, most recent proof of income

Student

Best for: Students with a steady income who need financial support for tuition and living costs.

Minimum income of R3,000 · South African ID for applicant and student · Latest 3 months' payslips or bank statements

Business

Best for: Established businesses generating over R50,000 monthly looking for flexible funding options.

Monthly turnover of R50,000 or more · At least 3 to 6 months of trading history · Recent business bank statements

Personal

Best for: This loan is best for individuals with a high credit rating looking for manageable repayment terms.

South African ID · Age 18+ · Regular income

Auto

Best for: Individuals earning R8,000 or more monthly who want to finance a vehicle with flexible repayment terms.

Age 18+ · South African ID · Valid South African driver's licence

Mortgage

Best for: Households earning up to R34,800 monthly who are looking to finance a home purchase.

Single or joint gross monthly income up to R34,800 · Latest payslip · 3 months' bank statements (6 if self-employed)

Consolidation

Best for: Individuals with multiple debts seeking to consolidate them into a single loan while earning a steady income.

South African citizen · Age 18+ · ID document

Short-Term

Best for: This loan is best for South Africans needing immediate cash flow solutions for unexpected expenses.

Cellphone number, SA ID number, bank account details, latest 3 months bank statements (showing 3 salary deposits)

Student

Best for: Students from low to moderate-income households looking to finance their education without immediate financial pressure.

Business

Best for: Businesses that have been trading for at least 2 years and need predictable repayment schedules.

Trading for 2 years or more · Active business transactional account

Personal

Best for: This loan is best for individuals with a high credit tier looking for affordable and transparent borrowing solutions.

South African ID · Age 18+ · Employed with R3,000+ salary

Auto

Best for: Individuals with stable incomes looking to finance a vehicle under R250,000 without hefty penalties for early repayments.

Proof of address · Latest payslip · 3 months' bank statements

Mortgage

Best for: First-time home buyers in South Africa with a solid income and good credit scores looking to finance up to R3 million.

Proof of income · Credit and affordability assessment

Consolidation

Best for: Individuals with multiple debts seeking to combine them into a single manageable loan.

Short-Term

Best for: This loan is best for individuals needing urgent financial assistance with a manageable repayment plan.

Valid SA ID, internet banking access, verifiable income (90 days), 18+ years

Student

Best for: Full-time students in South Africa who have a reliable guarantor and are pursuing qualifications at NQF level 5 or higher.

Guarantor for full-time students · Course of NQF level 5 or higher

Business

Best for: Established businesses with consistent revenue looking for flexible funding options.

Registered South African business trading for 1+ year · Monthly revenue of R40,000+