Rating based on 69 reviews

EC Finance


  • Instant loans up to R120,000
  • Same-day loans
  • Bad credit loans

In-page navigation

EC Finance homepage

Author EC Finance. Screenshot of EC Finance website. [Accessed April 5, 2018]

About EC Finance

EC Finance was established in 2005; we have been providing short term, personal and cash loans to South Africans. We specialise in working with blacklisted individuals from all over the country we’re owner-run and based in the Western Cape.

We are associated with numerous credit providers who provide credit to individuals residing in South Africa that offer loans via the internet and mobile. Our service providers offer loans between R 1000 and R120 000 that are flexible and you have up to 60 months to make repayments.

Achieve your goals & enjoy a better life

You can choose from different types of online loans from payday ones to consolidation loans depending on your need and requirements. We are here to assist you with individual needs and you can be assured that we will do everything possible when it comes to your financial wellbeing

If you are struggling to maintain monthly repayments on various accounts, a debt consolidation loan is advisable. All your accounts are rolled into one and you only have one monthly repayment to consider. This option generally comes with a lower interest rate and assists you to budget effectively.

EC Finance Services

The instant loans online have several advantages over the loans available from banks.

You are able to apply in minutes and our turn-around time is fast, meaning that you won’t need to wait for hours to get a reply and the cash is transferred to you immediately upon approval.

Unsecured loans

The online loans require no collateral and involve no credit check. They are available to all South Africans who earn a salary income irrespective of their credit history. EC Finance will advise you to stick to companies that have a proven track record and offer competitive interest rates and affordable repayment options.

We offer quality loan products

Any person can end up in a cash crunch. The question is how quickly and effectively you can resolve the problem. It pays off to consider different solutions and their quality. EC Finance offers instant cash loans and is here to help with choosing the right option for your situation.

EC Finance – Instant loan

  • Loan Type Instant loans
  • Loan Amount up to R120,000

Benefits of EC Finance

  • Bad credit loan options
  • Same day loan approval
  • Instant online cash loans

Instant loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

EC Finance has quick online loan applications with fast approvals

We provide a remarkably friendly and caring service to all South Africans and will continue to develop our loan products to give us the ability to meet all our customer needs!

EC Finance is a microlender with over 7 years of experience

When it comes to the financing of loans we have a very good reputation and solid presence in the market. We operate online as well as from a traditional office. You can expect a customer service of good quality.

How quickly can you get EC Finance’s “instant” loans? - You can apply online and this takes no more than 10 minutes. The maximum time for approval is 6 hours. This is not the fastest approval time, but it is quite good.

You will not have to wait for days to hear from EC Finance. Once you are approved, you will be sent the loan agreement. Once you’ve signed on the dotted line and faxed the agreement back to us, you can have the granted amount paid out to you on the same day.

Effective and affordable loans

We provide effective and affordable micro finance to help you achieve your financial goals and enjoy a better life. You can take advantage of our special cell phone deals designed exclusively for blacklisted individuals. You can get a brand new cell phone easily and quickly.

Make use of loan calculators, this will assist you to see how much you can borrow and to makes sure that you have the affordability, it’s a very useful tool at your disposal, should you be considering an instant cash loan. We ensure to work with you to provide you with all relevant details explaining everything in depth.

The whole process is quite quick

With us, you can borrow cash loans from R1000 and R50 000. The maximum loan amount is much higher than what you will get with other microlenders offering instant credit facilities to private persons. You can use the loan not only in a cash emergency but also for making a major purchase, improve your house or perhaps you would like to further your studies just maybe a vacation is on the to-do list.

With the EC Finance instant cash loans, the repayment term is usually between 2 and 5 years. You can readily pick the term which is most suitable for you depending on your ability to repay the loan. Our range is large because we offer online loans to all types of borrowers including blacklisted people.

Our loans are easily accessible and fairly affordable. EC Finance instant cash loans are quick and easy to get, plus they are affordable to repay. Our purpose is to be the number one financial loan service provider in the county!

We make every effort to be a financial service provider that puts your minds at ease!

Customer Reviews & Testimonials

April 2019

The application is super easy all you have to do is follow the steps and its completed in record time and the response is almost instant compared to other companies.

Nadia S
— East London —

May 2019

I used the loan calculator to see how much I would land up paying back if I decided to take my loan from them well I did after seeing how little I would have to pay back.

Hein M
— Port Elizabeth —

June 2019

Wow great service and I got my money before I have ever gotten my loans before.

Monique S
— East London —

March 2019

They have taken my stress away once I had applied for my loan that took a few minutes after finding out that My car Needed work they helped me get my loan.

Connor S
— Pretoria —

EC Finance Contact

Contact Number


  • not available


Physical Address

Opening Hours

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