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Smart loan comparison for every borrower

We compare rates, terms, and eligibility across dozens of lenders — so you can borrow with confidence. Independent reviews, no hidden fees.

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Mulah Short-Term Loan

APR

36.0–60.0%

Amount

R500–R8k

Speed

Same day (apply by 3pm)

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)

Personal

Sanlam Credit Solutions Personal Loan

APR

15.0–27.29%

Amount

R2k–R200k

Term

6–60 mo

Speed

1-2 business days

Best for: Ideal for individuals looking for substantial loan amounts with the possibility of insurance-backed options.

South African ID · Age 18+ · Employed with R3,500+ salary

Boodle Short-Term Loan

APR

36–60%

Amount

R4k–R8k

Term

1–6 mo

Speed

Minutes

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

Personal

DirectAxis Personal Loan

APR

15.0–27.75%

Amount

R2k–R250k

Term

6–72 mo

Speed

1-2 business days

Best for: This loan is best for individuals seeking a fixed-rate personal loan with flexibility in loan amounts and repayment terms.

South African ID · Age 18+ · Regular income

Lime24 Short-Term Loan

APR

36.0–60.0%

Amount

R500–R8k

Speed

Same day

Best for: This loan is best for individuals facing immediate financial needs who can repay within 90 days.

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

Finance27 Short-Term Loan

APR

36.0–38%

Amount

R1k–R7.2k

Term

2–2 mo

Speed

Within 24 hours

Best for: This loan is best for individuals who require immediate access to funds and can repay within a short timeframe.

SA resident, 18+, employed, valid bank account, pass credit checks

Wonga Short-Term Loan

APR

36.0–60.0%

Amount

R500–R8k

Term

1–6 mo

Speed

Under 15 minutes

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

Personal

FNB Personal Loan with eBucks Rewards

APR

12.0–27.75%

Amount

R1k–R300k

Term

6–72 mo

Speed

Same day

Best for: This loan is best for individuals with strong credit profiles looking for flexibility in loan terms and the added benefit of rewards.

South African ID · Age 18+ · FNB account

Personal

Capitec Personal Loan

APR

12.25–27.75%

Amount

R1k–R250k

Term

6–84 mo

Speed

Same day

Best for: Ideal for clients seeking a quick, fully digital loan process with personalised rates.

South African ID · Age 18+ · Regular income

Personal

Capfin Personal Loan

APR

21.0–27.75%

Amount

R1k–R50k

Term

1–24 mo

Speed

Same day

Best for: This loan is best for individuals seeking immediate cash for personal expenses and who may have lower credit ratings.

South African ID · Age 18+ · Regular salary of R2,000+

Personal

Letsatsi Finance Personal Loan

APR

24.0–27.75%

Amount

R500–R8k

Term

1–6 mo

Speed

Same day

Best for: This service is best for South Africans seeking immediate financial relief or those needing a larger loan with easy access through branches or online.

South African ID · Age 18+ · Employed with R2,500+ salary

Personal

Fasta Personal Loan

APR

24.0–27.75%

Amount

R500–R8k

Term

1–6 mo

Speed

Minutes

Best for: This loan is best for individuals needing quick access to funds with a flexible repayment structure.

South African ID · Age 18+ · Bank account

Personal

Old Mutual Personal Loan

APR

15.0–28.0%

Amount

R5k–R200k

Term

12–60 mo

Speed

1-3 business days

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

Personal

Absa Personal Loan

APR

12.0–27.75%

Amount

R2k–R300k

Term

6–72 mo

Speed

1-2 business days

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

Personal

FinChoice Personal Loan

APR

27.0–27.75%

Amount

R500–R50k

Term

1–36 mo

Speed

Same day

Best for: This loan is best for individuals needing quick cash for unexpected expenses who appreciate the option to skip payments during tough times.

South African ID · Age 18+ · Regular salary

Personal

Nedbank Personal Loan

APR

10.25–27.75%

Amount

R2k–R300k

Term

6–72 mo

Speed

1-2 business days

Best for: This loan is best for individuals looking for affordable borrowing options up to R400,000 with an established bank and a reliable rewards system.

South African ID · Age 18+ · Regular income

Personal

Standard Bank Personal Loan

APR

12.25–29.25%

Amount

R2k–R300k

Term

6–72 mo

Speed

Same day

Best for: This loan is best for individuals with a good credit rating looking for a substantial amount with extended repayment periods.

South African ID · Age 18+ · Standard Bank account

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