online loans background image

Online Loans

Click Compare Save

Find my loan
loan approved for client with bad credit

Quick & Easy Online Loans in South Africa

Get the financial backing you need from the most reputable lenders. Choose from various loan types and amounts with one easy online application.

You can now effortlessly compare lenders and credit products to find the lowest rates and repayment terms that work for you!

With access to hundreds of loan offers, you can easily find one that ticks all your boxes.

Frequently Asked Questions

Where can I get a Personal loan?

There are hundreds of personal loans available in South Africa, making it difficult to compare offers. LoansFind can help you find the right option.

Available from both major banks and specialised lenders, you’re certainly spoilt for choice when it comes to personal loans. There are numerous loan comparison sites available to help you compare products and providers, however, as conditions change quickly, these tools are not always completely up to date.

In order to avoid being steered in the wrong direction, use LoansFind’s comprehensive guide to help you navigate the complex lending landscape and find the right option.

What can I use my personal loan for?

Personal loans are flexible enough to be used for any purpose from purchasing furniture and home renovations to financing a family vacation. When compared to short-term loans, they typically offer larger loan amounts, longer repayment terms, and lower interest rates.

How much can I borrow with a personal loan?

You can get a loan ranging from just R500 to R300,000 with up to 60 months to repay.

The loan amounts and repayment terms vary depending on your lender, your credit profile and affordability, and your loan amount.

Rates will also vary depending on the lender, your loan amount, your credit profile, and the loan term you select. The higher your credit score, the lower your interest rate will be, with only customers with flawless credit receiving advertised rates as low as 12.75% per annum.

Can I repay my personal loan early?

If you’re planning on repaying your loan early, you must be mindful of the lender’s early repayment fees. These can be excessive and may reduce your early payment savings substantially. Before signing any loan agreement make sure that you review all costs associated with your loan – including establishment fees.

Check out our comprehensive list of personal loan providers, from major banks to specialized bad credit lenders, there’s definitely an option suited to your specific needs!

Direct lenders offering low-interest rate Personal loans

  1. FinChoice Personal loan


    • Loans up to R40,000
    • Term up to 24 months
    • Interest from 24%
  2. Capfin Loans Personal loan

    Capfin Loans

    • Loans up to R50,000
    • Term up to 12 months
    • Interest up to 29.25%
  3. Sanlam Loans Personal loan

    Sanlam Loans

    • Loans up to R300,000
    • Term up to 6 years
    • Interest from 18.55%
  4. Hoopla Loans Personal loan

    Hoopla Loans

    • Loans up to R250,000
    • Term up to 60 months
    • Interest up to 28%

Online loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This online loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

I need a loan, but I'm Blacklisted or have Bad credit?

Contrary to popular belief, those with a bad credit history or those who have been blacklisted still have credit options available to them.

We’re here to help you find and compare these options. LoansFind can provide you with critical information about loans for bad credit, which will help you find the right product for you, and keep you away from loan sharks.

Your financial history is certainly a critical factor in determining your eligibility for a loan. If you have a good credit history you’ll not only stand a greater chance of getting approved for a loan but you’ll receive significantly better terms and rates. This includes a lower interest rate and better, more flexible repayment terms.

Can I qualify for loan even if I have bad credit?

Apart from your credit history, other factors will determine your eligibility for a personal loan and these may differ depending on the lender you select. This includes factors such as your monthly income and expenses (debt–to–income ratio), and employment history, among many others.

Being a part of a family will work in your favour, particularly if your partner also has a stable income because lenders will automatically assume you to be a lower risk client. In addition, individuals who own one or more, high-value assets, such as a home that can be used as collateral, will certainly have many loan options available to them, with favourable conditions.

Using our list of bad credit lenders you can find your ideal match, improve your bad credit and secure a loan in the shortest possible time.

List of direct lenders offering Loans for Bad Credit

  1. uBank Bad credit loan


    • Loans up to R180,000
    • Term up to 72 months
    • Competitive interest rates
  2. EC Loans Bad credit loan

    EC Loans

    • Loans up to R120,000
    • Term up to 84 months
    • Interest up to 28%
  3. Hoopla Loans Bad credit loan

    Hoopla Loans

    • Loans up to R250,000
    • Term up to 60 months
    • Interest from 20%
  4. Square Finance Bad credit loan

    Square Finance

    • Loans up to R3,000,000
    • Term up to 60 months
    • Interest from 5%

Vehicle Finance: How much can I afford?

If you’re looking for car finance that will suit your every need, we can help you decide what type of loan is best for you and help you find your ideal lender.

Vehicle finance will allow you to buy a new or used car and pay it off in affordable monthly installments.

One of the most important first steps is to use a car finance calculator to find out what you can afford. When doing the calculation remember to budget for additional costs such as insurance, registration, and servicing (if your deal doesn’t include a service package).

Do I qualify for Car finance?

Apart from the required documents listed below, each lender have their own set of eligibility requirements which you’ll need to meet.

All car finance applications must undergo a credit check and have their income and expenses reviewed to ensure affordability.

What documents are required for a vehicle finance application?

When you apply for car finance, your lender will request that you upload your supporting documents. These include;

  • your South African ID
  • proof of address
  • proof of income
  • 3 month’s payslips
  • 3 month’s bank statements*, and
  • your South African driver's license.

*Bank statements can be stamped copies provided from your bank.

Car finance application – 100% online

If you’ve found your dream car, be it a new or used vehicle, you can complete your loan application online. This not only saves time but makes the process easier for all involved. You’ll have to provide your lender with the details of both the dealer or seller and the vehicle before your application will be processed.

The better your credit record, the lower the interest rate that you’ll qualify for. Those with imperfect credit scores will typically receive a higher interest rate.

Not sure what your Credit score is?

You’re eligible to download your free credit report from any of the major South African credit agencies once a year. This can quickly and easily be done online, by using the services available at TransUnion.

List of direct lenders offering Car finance

  1. Absa Car finance


    • Drive your dream car
    • Term up to 72 months
    • Interest from 9.25%
  2. Motorlease Loans Car finance

    Motorlease Loan...

    • Private Vehicle Finance
    • Buy or sell a vehicle
    • Comprehensive vehicle insurance
  3. ALPHERA Car finance


    • Innovative Car Loans
    • Term up to 72 months
    • Tailored Finance Solutions
  4. FNB Car finance


    • Loans up to R200,000
    • Term up to 72 months
    • Interest from 10.25%

Quick loans: Minimal–to–No Credit Checks Online

A quick loan offers you a small to medium amount of cash, is easy to qualify for, available from most lenders, and can be approved and credited promptly.

If you’re looking for the ideal short-term lender, our list of providers will help you find your match.

What can I use a Quick loan for?

Quick loans are one of the simplest and most versatile credit products on the market. They can be used for just about anything from car repairs and medical bills, to school fees, and groceries. Whatever you need a loan for, as long as it’s between R300 and R8,000, you can get one from our collection of leading providers.

How to choose a reliable Lender?

How you choose a lender will depend on whether you have good or bad credit, the loan amount you’re after, and how quickly you need the loan. While banks offer some of the most competitive rates, they have stricter eligibility requirements. This makes them a great option for those with excellent credit but, not for those who’ve missed repayments or have been blacklisted.

What will I need to apply for a Quick loan?

If you’re pre-approved by your bank, you won’t need to upload any documents. You’ll simply need to apply and sign the loan agreement.

However, if you’re applying with a specialized lender, you’ll need to upload some supporting documentation. This includes;

  • your South African ID
  • 3 month’s bank statements, and
  • proof of address.

Do I qualify for a Quick loan?

With so many specialized lenders it’s easy to qualify for a quick loan. You’ll need to be 18 or older, be employed and earning a stable income, and be a South African citizen or permanent resident. Lenders will also require that you specify your income and expenses so that they can ensure you can afford the loan repayments.

List of direct lenders offering Quick loans

  1. African Bank Quick loan

    African Bank

    • Loans up to R50,000
    • Term up to 24 months
    • Interest from 12%
  2. Blink Finance Quick loan

    Blink Finance

    • Loans up to R8,000
    • Term up to 65 days
    • Interest up to APR 38%
  3. Nedbank Quick loan


    • Loans up to R300,000
    • Term up to 60 months
    • Interest from 12.50%
  4. FASTA Quick loan


    • Loans up to R8,000
    • Term up to 3 months
    • Approval within minutes

A Consolidation loan will simplify your debt

Struggling to keep up with your debt? Let us help with a consolidation loan.

It’s important to pay your loans and bills on time and ensure that you don’t fall behind. If you’re struggling with multiple monthly expenses and debts, there are various debt consolidation options, which will enable you to combine all your debts into one, larger and cheaper loan.

Is Debt consolidation for me?

Debt consolidation can help you if the majority of your debt lies in unsecured credit such as store accounts, credit cards and personal loans. If you’re paying multiple accounts, are struggling to keep track of them, and would like to simplify your finances, a debt consolidation loan may be right for you.

How do I get a lower interest rate on my Consolidation loan?

When consolidating, you’re wrapping up small debts into one larger loan. This also means that you’re likely to secure a lower overall interest rate. While this is quite helpful, this doesn’t mean you’ll pay less for your debts overall since you’re going to receive a longer repayment term.

If you’re battling with affordability, your lender may increase your loan term to decrease your monthly repayment amount. This will make day-to-day life easier but will cost you more in interest overall.

How to apply for Debt consolidation?

To qualify for debt consolidation, you’ll still need to have a good credit score and meet your lender’s affordability requirements. Therefore, debt consolidation is not suitable for you if you’re blacklisted or have already fallen behind on repayments. In such a case, you may want to consider debt counselling.

You can apply for debt consolidation online by completing your desired lender’s application form, linking to your bank statements, and uploading any supporting documents required. You should get approval within anything from a few minutes to a couple of hours.

List of direct lenders offering Debt consolidation

  1. JustMoney Consolidation loan


    • Repair your credit score
    • Get out of debt
    • Credit life insurance
  2. African Bank Consolidation loan

    African Bank

    • Loans up to R350,000
    • Term up to 72 months
    • Interest from 15%
  3. Absa Consolidation loan


    • Rebuild your credit
    • Get debt relief
    • Lower interest rates
  4. Debt Rescue Consolidation loan

    Debt Rescue

    • Free Debt Assessment
    • Get a Rescue Plan
    • ONE Affordable Payment