Rating based on 10 reviews

EC Finance

  • Debt consolidation up to R120,000
  • FLEXIBLE Repayment Options
  • 90% approval rate

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EC Finance homepage
Author EC Finance. Screenshot of EC Finance website.
[Accessed December 12, 2022]

About EC Finance

EC Finance has been helping blacklisted South Africans and those with other credit problems find the ideal personal loan, short-term loan, cash loan or cell phone deal since 2005.

They've assisted many South Africans over the years and are proud of the positive feedback they get from people who've been referred. They strive to make your loaning experience with EC Finance a pleasurable journey. They’ll assist you from the application process to the consolidation of your debt right up to you being debt-free

Apply online

If you've been rejected for credit by the major banks, you should not despair. They'll gladly work with you and provide an affordable, easy and safe credit solution that'll meet your needs fully. You can find all the information about their lending criteria on their website and you can use their loan calculator to select the best option for you. The calculator will help you work out more or less how much you can borrow and what your estimated repayments will be.

EC Finance Services

As your debt grows, you're forced to borrow more in order to pay your living expenses, but this only makes the situation worse.

The only way out is bundling all your debt into a single loan with affordable monthly payments. EC Finance will help consolidate your debt into a single repayment. This makes it easier at the end of each month, knowing that you only have one repayment to think about.

Debt consolidation

Their online debt consolidation loans offer you a solution best suited to your needs and they'll assist you to make the right decision regarding your financial well-being. EC Finance specialises in the provision of instant loans of all types and offers fast and effective debt consolidation no matter what your current situation is.

EC Finance – Consolidation loan

  • Loan Type Debt consolidation
  • Loan Amount up to R120,000
  • Decision Same day

Benefits of EC Finance

  • Unsecured and blacklisted Loans
  • Loans from R1 000 to R120 000
  • Easy online approval
  • 90% approval rate

EC Finance will help consolidate your debt into a single affordable payment

Your budgeting will be easier because you’ll have more money in your pocket!

EC Finance works with all South Africans

EC Finance is the most accessible and affordable alternative to the larger commercial lenders. They provide professional assistance even to blacklisted individuals and those with poor credit.

When you apply for a loan with them, they only take into account what your income is. This will help them determine how much you're able to borrow. They do not run extensive credit checks to approve applications and their loans are simple, safe and reliable.

EC Finance is determined to help you get rid of debt in the most comfortable way. Their professional consultants have been trained in their field and are always prepared to go that extra mile to ensure that you're on the right road to being debt-free.

A reliable service provider

They operate online and this enables them to serve consumers from all over South Africa. Their main task is to match you with the right credit products. EC Finance works with a large number of credit providers all of which are registered and adhere to the rules and regulations of the National Credit Act. You'll receive a reliable and transparent service that's completely focused on your needs.

EC Finance debt consolidation loans are primarily unsecured

You'll be able to borrow up to R50 000. This should enable you to clear a fairly large amount of debt without risking your house by placing it as collateral.

The maximum repayment term is 6 years

However, a shorter term will help you to save on interest so if you can afford the monthly payments, this can be a highly beneficial option in the long run. The interest rate on every loan is determined based on your credit history.

The good thing is that the EC Finance loans are accessible even to people with bad credit so you have a chance of getting approved even if you're in serious trouble already.

EC Finance offers consolidation loans that are helpful for people who have accumulated fairly small debt amounts. Apply for your EC Finance loan today, take back control of your finances and worry about the better things life has to offer.

You can also look at their cell phone deals and apply for a brand new cell phone today.

Customer Reviews & Testimonials

April 2019

One business day was all it took for me to get my funds after my loan application was approved.

Fred B
— Parys —

February 2019

EC Finance has affordable interest rates that make paying for your loan slightly easier.

Petunia M
— Sebokeng —

EC Finance Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed