Rating based on 69 reviews

EC Loans


  • Bad credit loans up to R120,000
  • Low-interest up to 28%
  • Repayment up to 84 months

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EC Loans homepage

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

About EC Loans

EC Loans is here you assist you when you feel financial pressure crushing down on you.

Our service offers speedy and reliable service that is available to all South African citizens. We will help you get a loan even if you are sitting with a bad credit score or have been blacklisted.

Streamlined processes to assist you better

We have made every step of obtaining financial assistance streamlined and simple. We know that you don’t need any complications or wasted time when you already have the stress of your finances on your hands. Our service is one of the fasters around.

Blacklisted? No problem

We can help you find a loan to help you cover those unexpected bill payments, home renovations or even to help you pay for a well-earned holiday. No matter what you may need the cash for we are here to get it for you.

Easy loan approval

Clients get the satisfaction of not having to waste their precious time, in queues, or waiting for the dreaded response from the bank or lender to say they have been declined.

We have more approvals on our books than rejection letters this is due to us providing loans that you can afford. If you can afford the minimal structured repayment terms you should have no problem being approved. Apply for a loan today and have the cash in your bank account within 24 to 48 hours.

EC Loans Services

EC Loans is one of South Africa’s favourite online loan platforms.

The amount that you qualify for will depend on what you can afford to repay in monthly instalments and how much money you earn monthly.

Quick loan solutions

If you are blacklisted or have bad credit we will find you a solution. We offer clients cash loans ranging between R1 000 and R100 000 which they can use for whatever they please.

Clients can get repayment options to suit their budget between 12 and 84 months to repay their loans.

Everyone needs a little cash boost

Everyone has those long months that never seem to end. When it feels like you are counting the days till payday and trying your best to make it and then life happened and your geyser bursts you may need to apply for a loan to help fix the situation.

Who may apply?

With us, it's easy to get a loan, everyone has access to cash when they need it the most. If you earn over R1 500 per month then you qualify to apply for a loan. You will need to be a resident of South Africa and over the age of 18.Apply today and you will not be disappointed with the turnaround time and the interest rates charged on our cash loans.

EC Loans Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate up to 28%
  • Loan Amount up to R120,000
  • Repayment 12 months to 84 months

Benefits of EC Loans

  • Unsecured and blacklisted Loans
  • Loans from R1000 to R120 000
  • Easy online approval
  • Repayment terms between 12 and 84 months
  • 90% approval rate

Bad credit loans 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.

At EC Loans, we will help you with a loan even if you're blacklisted

Designed to help you get ahead in the financial game

EC Loans in South Africa provides a totally paperless solution to getting a cash loan.

Various loan options to suit your needs

Whether you want to consolidate your debt, pay off accounts or take a holiday, we have online loans to help you cover all of it.

Applying through our online platform is so easy we have laid out all the steps in detail for you to follow and it takes only a few minutes of your time. There are 3 options to choose from, simply select the option that suits you best to proceed.

Applying for our loans is easy and convenient

Once you have completed your application form and submitted it, you can sit back and relax while we find you a loan. If you prefer to download the application from our website, complete it and email or fax it back to us.

We believe as an accredited financial institution, we have an obligation to provide a financial solution in the form of a personal loan to those who need it. Our capabilities to provide clients with loan products are unprecedented. We cater to those clients who are blacklisted and find it difficult to get a loan through banks and other lenders. Clients can arrange repayment terms to suit their budget for periods of between 12 and 84 months.

We also offer secured & unsecured loans

Sometimes when you need to borrow a larger amount of money you may do so by applying for a secured loan or if you don’t qualify for an unsecured loan. Clients who have a bad credit history may need to look at this option and if they own a house or car they may be approved for finance.

Responsible lending practices

All our loans rely on our client’s credibility, which is verified through your credit score.

This plays a major part in loan approvals, as we work in line with the National Credit Act. This, in turn, means that we can only lend you the amount of money that you can afford to pay back. This amount will be determined from your application depending on your monthly earnings and what your expenses currently are.

Customer Reviews & Testimonials

April 2019

EC Loans has always attended to my financial queries timeously.

Boitumelo M
— Glen Vista —

May 2019

After applying for credit, I only had to wait for an hour and my loan was approved.

Henrietta P
— Mpumalanga —

June 2019

The interest rates that I pay at EC Loans are genuinely affordable and are the reason why I still afford my other financial obligations.

Palesa K
— Sasolburg —

EC Loans Contact

Physical Address

  • 14 Bloem Ct, Northpine Cape Town Western Cape 7560 South Africa
  • Get Directions

Opening Hours

  • not available