Personal loans in South Africa

Data 30 institutions · Redirecting to the bank's official site

17 results

CD
CreditDeals.io

Loan Matching Service

Popular
On request
p.a.
Approval speed:Matching takes less than a minute; lender decision time varies
RateOn request
AmountR500 – R500 000
TermOn request
OnlineFree matching service — CreditDeals.io is not a lender or credit providerOne application may be shared with credit providers and networks so they can assess it and make offers
Apply
CreditZA
CreditZA

Short-term Loan

Popular
On request
p.a.
RateOn request
AmountR500 – R8 000
TermOn request
OnlineSite quotes both a 5-day–6-month range and a "1–6 months" header — not reconciled by the lender0.16%/day for new customers, 0.10%/day for repeat customers, not a published APR
Apply
LendPlus
LendPlus

Short-term Loan

Popular
On request
p.a.
Approval speed:From 15 minutes
RateOn request
AmountR500 – R4 000
TermOn request
OnlineR4,000 limit is for repeat customers only — first-loan cap not publishedNo published interest rate or fee schedule — cost of credit is shown only after applying, in the personal quotation
Apply
CrediWise
CrediWise

Short-term Loan

On request
p.a.
Approval speed:From 15 minutes
RateOn request
AmountR500 – R4 000
TermOn request
OnlineSame site template and R500–R4,000 range as LendPlus — appears to be the same underlying platform under a different brandNo published interest rate or fee schedule — cost of credit is shown only after applying
Apply
Jabulani Money
Jabulani Money

Short-term Loan

On request
p.a.
RateOn request
AmountR500 – R4 000
TermOn request
OnlineNo published interest rate — site states cost is "initiation fee + monthly service fee + interest, calculated based on loan amount and duration," disclosed in the loan agreement before signingLegal entity is ClearWave Innovations (Pty) Ltd, trading as Jabulani Money
Apply
FA
FASTA

FASTA Cash Loan

Popular
On request
p.a.
Approval speed:Decision in minutes; payout timing depends on verification
RateOn request
AmountR800 – R15 000
Term1–6 mo.
OnlineNCRCP10591Minimum monthly income R6,000
Details
FinChoice
FinChoice

MobiMoney

On request
p.a.
Approval speed:Instant, in the app
RateOn request
AmountR100 – R10 000
Term1–3 mo.
OnlineRevolving credit line, repeat drawdowns within your limitNo activation fee
Details
WG
Wonga South Africa

Short-term Loan

On request
p.a.
Approval speed:Same day, fully online
RateOn request
AmountR500 – R8 000
Termup to 6 mo.
OnlineCan run as short as 4 daysRate (5%/month) and new-customer limit are from a secondary source (CompareLoans), pending confirmation
Details
Unifi South Africa
Unifi South Africa

Personal Loan

from 8%
per month
Rate8–10.1 % per month
Amountup to R24 000
Term3–9 mo.
OnlineHigh-APR short-term creditFirst loan capped at R12,000; repeat loans up to R24,000
Details
Boodle
Boodle

Short-term Loan

On request
p.a.
RateOn request
AmountR500 – R8 000
Term1–6 mo.
OnlineNew customers capped at R5,000Rate disclosed two ways: up to 0.17%/day in the FAQ, 3%/month in the worked example
Details
Capfin
Capfin

Personal Loan — 6 months

On request
p.a.
RateOn request
AmountR1 000 – R50 000
Term6 mo.
OnlineUp to 5% per month for the 6-month product — a monthly rate, not an APR
Details
Barko Financial Services
Barko Financial Services

Short-term Loan

On request
p.a.
RateOn request
AmountR300 – R8 000
TermOn request
Repaid as a single instalment on your next payday18+, regular income, bank statements requiredNo published rate
Details
Lime24
Lime24

Short-term Loan

On request
p.a.
RateOn request
AmountR500 – R8 000
TermOn request
Online5 to 90 day term0.16%/day for new customers, 0.10%/day for repeat customers
Details
Letsatsi Finance and Loan
Letsatsi Finance and Loan

Long-term Loans

On request
p.a.
RateOn request
Amountfrom R3 000
Term7–13 mo.
Requires 3 months’ payslips and bank statementsThe lender’s own "long-term" label — actually 7 to 13 monthsNo published rate or maximum amount
Details
Atlas Finance
Atlas Finance

Personal / Short-term Loans

On request
p.a.
RateOn request
AmountR500 – R20 000
Term1–9 mo.
OnlineShort-term application specifically: 61–180 days, from 0.17%/day up to 5%/monthService fee R60 + VAT/month
Details
CC
Cash Converters South Africa

Same Day Loan

On request
p.a.
RateOn request
AmountAmount on request
Term1 mo.
Arranged in-store, not online5% for a first loan, 3% for repeat loans within the same year — a monthly rate, not an APRPaid out onto a Cashies Card
Details
PL
Protea Loans

Payday Loan

up to 3.2%
per month
Approval speed:Usually paid the same business day after approval and verification
Rateup to 3.2 % per month
AmountR500 – R4 000
Term1–3 mo.
OnlineNCRCP9500Typically due on the next payday
Details

This page brings together 17 personal loans and 17 short-term loan products from 30 banks and lenders in South Africa. Published personal-loan rates in the catalogue range from 12.5% to 28% p.a. Product terms and eligibility vary by provider.

Short-term loans with published rates

Bank/MFIProductRateTermAmountApproval
Unifi South AfricaPersonal Loan95.9–121.1%3–9 mo.up to R24 000—

17 of the listed short-term products are marked as unsecured. Confirm the final rate, fees, repayment amount and eligibility directly with the provider before applying.

Frequently asked questions

Can I get a short-term loan online with guaranteed approval?

No legitimate lender can guarantee approval. A lender must assess affordability and may check your credit record before making a decision.

Are unsecured loans available in South Africa?

17 short-term products in this catalogue are marked as unsecured. Unsecured does not mean automatic approval, and the provider may still require proof of income, identity and banking details.

What online loans are listed?

CompareZA lists 17 personal loans and 17 short-term loan products. Published short-term loan rates start from 95.9% and listed amounts reach up to R500 000.

How long does an online loan application take?

Application, approval and payout times differ by provider and applicant. Treat any displayed processing time as an estimate and confirm it with the lender.

How should I compare loans?

Compare the interest rate, fees, term and total repayment amount. Published personal-loan rates in this catalogue range from 12.5% to 28% p.a., but your final quote may differ.

See also

All MFIs and microloansDeposits — up to 10%Bank rankingUnifi South Africa

See also

Deposits: up to 10% p.a.Vehicle financeAll South African banksCheck a lender's NCR registration