Loans Hub

Loans in South Africa

Independent guides to personal loans, bad-credit lending, blacklisted-friendly lenders and short-term credit. We only feature lenders registered with the National Credit Regulator (NCR).

Important

This article is for information only and is not financial advice. Borrowing money is a serious commitment — make sure you understand the total cost of credit, including interest, initiation fees, monthly admin fees, and credit life insurance. Only borrow from credit providers registered with the National Credit Regulator (NCR). MoneyToday is not a credit provider and does not arrange loans on your behalf.

Before you apply

Check the lender's NCR registration number on ncr.org.za.
Compare the total cost of credit, not just the monthly repayment. Initiation fees, monthly admin fees and credit life insurance all add up.
The maximum interest on unsecured loans is currently RepoRate + 21% per annum (capped by the NCA).
Never pay an upfront "release fee" or "insurance fee" before a loan is disbursed — this is the most common loan scam.
If you are struggling with debt, speak to a registered debt counsellor before taking on more credit.

Loan topics

PEP Loans (Capfin)

Top page

How Capfin loans at PEP work, fees, repayment terms and how to apply in-store or online.

Loans for Bad Credit

Honest review of options if you have a poor credit record. Includes scam warnings.

Loans for Blacklisted People

What "blacklisted" really means in SA, and the lenders who consider applications with adverse listings.

No Credit Check Loans

Why true "no credit check" loans are rare under the NCA, and what to watch out for.

Loans Without a Payslip

Realistic options if you are unemployed or self-employed without proof of income.

Loans for Pensioners

Lenders that accept SASSA pension or GEPF income as proof of income.

Loan Repayment Calculator

Work out monthly repayments, total interest, and full cost of credit before you sign.

Compare Personal Loans

Side-by-side: Capitec, African Bank, FNB, Bayport, Capfin and more.

Small Business Loans

Funding options for SMEs: SEFA, Business Partners, Lulalend, Retail Capital.