Rating based on 41 reviews

Debt Lab

  • Payday loans up to R150,000
  • Reliable finance solutions
  • Low-interest starting from 27%

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Debt Lab homepage
Author Debt Lab. Screenshot of Debt Lab website.
[Accessed April 5, 2018]

About Debt Lab

DebtLab is the service provider of choice for thousands of South Africans looking for fast and efficient online loans that suit their needs and budget.

They specialize in personal loans, credit cards, and debt management, to name a few. They'll handle your application from start to finish and find you the perfect product to meet your needs.

A range of loan options

Their wide range of services includes payday loans, great deals on cellphone contracts, and credit card deals. They can also assist you with vehicle financing and have hundreds of insurance products guaranteed to save you time and money. 

Their service is 100% obligation-free and won't cost you anything

Complete one simple application form online, and they'll apply to their network of trusted lenders on your behalf. Applying to multiple lenders won’t cost you a cent, and you can compare deals and save.

Debt Lab's consultants are available to help you find exactly what you're looking for and happy to assist you every step of the way.

Debt Lab Services

Through DebtLab, you're guaranteed to find the best payday loan easily and quickly.

All you need to do is complete the online application form and submit it. They'll take over from there and contact you if your application is successful.

Debt Lab will match your requirements to the leading payday loans in South Africa. Then take things one step further and negotiate the most affordable rates and terms for you.

They use their expertise and the excellent connections they have in the industry to get your loan approved.

Reliable loan solutions

Debt Lab offers financial solutions to individuals and businesses. They accept applications 24 hours a day through their website.

They take care of the paperwork on your behalf and they'll get you the cash you need as quickly as possible. They work with a variety of reputable lenders and have a strong partnership with them.

This gives Debt Lab excellent bargaining power and the highest chances of getting you approved for a loan with the best terms and conditions. With their service, you'll get cash quickly and with much less hassle than ever before.

Debt Lab – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 27%
  • Loan Amount up to R150,000

Benefits of Debt Lab

  • Quick online loan applications
  • Clients with a bad credit rating can apply
  • High level of customer service

Payday 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 quick loans calculator is subject to our terms of use.

Debt Lab will help find the right payday loan for you

When you need to get a quick cash loan, a payday loan can help you out without you having to make long-term commitments.

There are hundreds of loan products on the market that offer attractive deals. Debt Lab helps you narrow down the options and find a financial solution that suits your budget.

Payday loans

When you need a little extra cash to get you to your next paycheque, payday loans offer the perfect short term solution. You can borrow a small amount for 30 days.

Debt Lab operates entirely online making it easy for all South Africans to find a loan. They've been in the industry for over 10 years and have an ever-growing client base. You can expect quick, friendly and reliable service.

Their service is completely free of charge

Debt Lab's payday loans are provided by a variety of lenders. When you apply, a consultant will note your requirements and find a product and lender to match them.

All applications are processed within 24 hours

If your loan is approved, you'll be offered a deal and sent a loan contract. The lender and loan deal choice is up to you, and you aren't obligated to accept any offer.

If you accept the offer and submit all required documents, the lender will pay the loan amount into your bank account. The availability of funds will depend on the lender and your bank.

All Debt Lab payday loans come from registered lenders adhering to the rules and regulations of the National Credit Act. This guarantees you a fair interest rate.

A single application gets you multiple loan offers.  Debt Lab makes the application process safe, easy, and accessible.

Customer Reviews & Testimonials

February 2019

Debt Lab will never approve your loan if your credit profile is not up to par. They also want to ensure that you can first afford the credit plan that you want to apply for.

Regina B
— Witbank —

June 2018

Applying for the Debt Lab loan was fast, easy and convenient.

Thamsanqa G
— Durban —

November 2018

I was glad to see that Debt Lab attended to my credit request in due course.

Melusi G
— Port Shepstone —

Debt Lab Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed