Debtlab Loans South Africa


What is Debtlab?

Debtlab is a company that offers various financial services like vehicle financing, debt consolidation, insurance, and personal loans. The company doesn’t offer financial advice. Instead, they provide referral service to their partners to make it easier for you to apply for a loan.

They’re in contact with the best lenders in the industry and they can help you secure loans from these lenders. They can match your request with what their partners can offer. They take into account the rates and your credit profile to make sure you get the best deal available. The company will take care of the paperwork and all the hassle accompanying it.

The best thing is they’re not charging you anything for this. The application is free of charge.

Debtlab can process your application within 24 hours after you submit them.

All information you provide is safe and secured. The company and their partners comply with the regulations set by the NCR and the rules stated in the National Credit Act.

Debtlab Personal Loans in SA

Getting Your Loan

To apply for a loan from Debtlab, all you need to do is fill out their application form online. Once you’ve provided the required details, they’ll match your loan request with partner lenders that can loan you the specified amount. From there, you can choose and directly submit your request to the provided lending companies. Once the application has been submitted, you can directly communicate with the lender.

Interest & Fees

Interest rates and fees vary from one lender to another. Debtlab doesn’t have the power to change these rates. However, the submission of your personal loan request through Debtlab is free of charge.

Repayment Schedule

Repayment schedules vary from 1 month to 5 years, depending on the loan provider.

Partners of Debtlab will auto-debit the agreed amount every month from the bank account you provided during application. Make sure your account has enough balance to process the debit order. Failure to comply with the agreement may result in additional fees, or worse, legal actions.


Requirements may vary, especially with the amount you’re asking to borrow. However, all Debtlab partners look for the following conditions as a standard:

  • You’re a South African citizen of legal age
  • You’re not over-indebted, declared bankrupt, or undergoing a sequestration process

Make sure you provide all the details required during the application process to avoid delays or rejection. Ready your IDs, payslips, bank history, and proof of residence in case the credit provider asks for them.

Contact Details

If you have queries regarding the application process, you can contact Debtlab through the following lines:

Phone: 021 300 1077

Fax: 086 696 0686

Their office is located at the following address:

Office address: 19 Loop Street, Cape Town, Western Cape, 8001, South Africa