What do you need the money for?

Pick your reason. We'll show you the best options — rates, terms, and lenders compared.

Emergency & Fast Cash

Same-day funding, bad credit options, payday alternatives

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Home & Renovation

Mortgages, home equity, renovation financing, refinance

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Auto Financing

New and used auto loans, refinancing, bad credit car finance

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Business Financing

SBA loans, lines of credit, startup funding, business expansion

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Recently added

Lime24 Short-Term Loan

Est. APR

36.0–60.0%

Amount

R500–R8k

3–3 month terms

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

Short-Term
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Fasta Personal Loan

Fasta

Est. APR

24.0–27.75%

Amount

R500–R8k

3–6 month terms

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

Personal
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Finance27 Short-Term Loan

Finance27

Est. APR

36.0–38%

Amount

R1k–R7.2k

2–2 month terms

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

Short-Term
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Letsatsi Finance Personal Loan

Letsatsi Finance

Est. APR

24.0–27.75%

Amount

R500–R8k

3–6 month terms

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

Personal
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Wonga Short-Term Loan

Wonga

Est. APR

36.0–60.0%

Amount

R500–R8k

3–6 month terms

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

Short-Term
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Boodle Short-Term Loan

Est. APR

36–60%

Amount

R4k–R8k

3–6 month terms

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

Short-Term
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DirectAxis Personal Loan

DirectAxis

Est. APR

15.0–27.75%

Amount

R2k–R250k

6–72 month terms

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

Personal
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Mulah Short-Term Loan

Mulah

Est. APR

36.0–60.0%

Amount

R500–R8k

3–3 month terms

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

Short-Term
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TymeBank Personal Loan

TymeBank

Est. APR

15.0–27.75%

Amount

R500–R100k

3–36 month terms

This loan is ideal for those seeking quick access to funds without traditional paperwork, particularly for emergencies or large purchases.

Personal
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Old Mutual Personal Loan

Old Mutual

Est. APR

15.0–28.0%

Amount

R5k–R200k

12–60 month terms

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

Personal
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Capfin Personal Loan

Capfin

Est. APR

21.0–27.75%

Amount

R1k–R50k

3–24 month terms

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

Personal
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RCS Personal Loan

RCS Financial Services

Est. APR

15.0–27.75%

Amount

R1k–R100k

6–60 month terms

Individuals with a developing credit history looking for short-term financial assistance between R1,000 and R150,000.

Personal
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Absa Personal Loan

Absa

Est. APR

12.0–27.75%

Amount

R2k–R300k

6–72 month terms

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

Personal
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FinChoice Personal Loan

FinChoice

Est. APR

27.0–27.75%

Amount

R500–R50k

3–36 month terms

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

Personal
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Capitec Personal Loan

Capitec Bank

Est. APR

12.25–27.75%

Amount

R1k–R250k

6–84 month terms

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

Personal
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FNB Personal Loan with eBucks Rewards

FNB (First National Bank)

Est. APR

12.0–27.75%

Amount

R1k–R300k

6–72 month terms

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

Personal
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Standard Bank Personal Loan

Standard Bank

Est. APR

12.25–29.25%

Amount

R2k–R300k

6–72 month terms

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

Personal
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Nedbank Personal Loan

Nedbank

Est. APR

10.25–27.75%

Amount

R2k–R300k

6–72 month terms

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

Personal
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