EC Finance

image of EC Finance
image of EC Finance

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.

If you have been rejected for credit by the major banks, you should not despair. We will gladly work with you and provide an affordable, easy and safe credit solution which will meet your needs fully.

You can find complete information about our lending criteria and use our loan calculator to select the best option for you.

You should definitely check out our cell phone deals and apply for a brand new cell phone today.

The approval rate is quite high.

Services – EC Finance

EC Finance specialise in the provision of instant loans of all types.

They offer fast and effective debt consolidation no matter what your current situation is.

EC Finance work with all South Africans without exception.

They are the most accessible and affordable alternative to the large commercial lenders. We provide professional assistance even to blacklisted individuals and those with poor credit.

When you apply to us, we will take into account only your income to determine how much to lend you. We do not run extensive credit checks to approve applicants. Our cash loans are simple, safe and reliable.

They are designed to get rid of debt in the most comfortable way.


Summary of Services

  • Instant Loans
  • Instant Cash Loans
  • Debt Consolidation
  • Debt Clearance
  • Poor Credit Instant Loans
  • Micro Loans
  • Consolidation Loans
  • Blacklisted Loans
  • Long Term Loans 
  • Direct Loans 
  • Indirect Loans


EC Finance will help consolidate your debt into a single repayment.

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

The only way out is the bundling of all your debt into a single loan with affordable monthly payment. This EC Finance online debt consolidation loans review will assist you with the evaluation of these solutions so that you can make the right decision regarding your financial wellbeing.

EC Finance is a financial service provider with over 7 years of experience.

It operates online and this enables it to serve consumers from all over South Africa. The company's main task is to match consumers with the right credit products. It works with a large number of micro lenders all of which are registered and adhere to the rules and regulations of the National Credit Act.

You will receive a reliable and transparent service which is completely focused on your needs.

EC Finance debt consolidation loans are primarily unsecured.

You will be able to borrow up to R50,000. This should enable you to clear fairly large amounts of debt without risking your house by placing it as collateral. If you owe more to lenders, this loan may not be useful to you unless it comes with a much lower interest rate compared to those of your current loans.

The maximum repayment term is 6 years.

It is not particularly long and this will work to push the monthly payments up. At the same time, the shorter term will help you to save on interest so if you can afford the monthly payments, this can be a highly beneficial option.

The interest rate on every loan is determined based on the individual applicant's credit history.

The good thing is that the EC Finance loans are accessible even to people with bad credit so you have changes of getting approved even if you are in serious trouble already. The bad thing is that you will be charged higher interest rate due to the higher risk which you carry as a borrower.

In this situation, you have to decide very carefully if the new loan will be more affordable to repay.

This review finds the EC Finance online debt consolidation loans to be helpful for people who have accumulated fairly small debt amounts.

 Contact Details

Victoria St , Zoo Park, Cape Town, 7570, South Africa
Ph: 087 943 2500 / 021 200 6010
Fx: 086 525 8611

 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 –