Rating based on 39 reviews

EZI Finance


  • Bad credit loans up to R8,000
  • Low-interest up to 32.1%
  • Repayment up to 6 months

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EZI Finance homepage

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

About EZI Finance

EZI Finance is the specialist to call when you need a loan but you are blacklisted or have bad credit score. We offer different types of loans from personal to debt consolidation loan options.

The solution you are searching for

We eliminate the endless application process and all the risks out of the equation. We are the best alternative to banks and major credit companies that will reject you automatically as soon as you are blacklisted. We understand your needs and meet them fully.

Get your loan approved

When you apply for one of our loans we will do everything in our power to obtain a loan your behalf, we do this by applying to all the lenders in our network with one simple application. This will not negatively affect your credit score.

If your loan is approved we will provide you with the cash you need at a very attractive interest rate. Our loan repayment terms are highly flexible and can be arranged to run automatically to align with your pay date. This will ensure that you don’t miss a payment and incur penalty fees or other charges. To help you remember your debit order and so you can ensure you have sufficient money in your bank account we will send you a reminder a few days before the order is set to run.

EZI Finance Services

We are committed to helping every South African citizen get finance in order to solve their financial problems. You should not have to be penalised for your past mistakes and your poor financial judgement.

Bad credit loans

If you have learnt your financial lesson and can show that you can easily afford the repayment terms then we will gladly offer you a loan. Being blacklisted doesn’t need to mean the end of your financial journey; you can easily qualify for a loan that won’t break your bank account. We are a responsible lender and won’t offer you more than you can afford to borrow.

We specialise in helping people with bad credit and those who have been blacklisted find the ideal loan which is affordable and convenient for them. Whenever you need cash quickly, you simply need to turn to us and we will provide you with the sum that you are looking for. There is no need to jump through barriers or find loopholes.

We place great value on transparency

One of the reasons our clients remain happy is that our loan contracts are completely transparent with no hidden fees. You can trust us to get you out of the financial emergency that you have found yourself in.

Once you recover, you can repay us and we will be able to start a long-term partnership.

EZI Finance Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate up to 32.1%
  • Loan Amount up to R8,000
  • Repayment 2 months to 6 months

Benefits of EZI Finance

  • No fees charged
  • Blacklisted loans available
  • Up to R8000 over as many as 60 months
  • Low interest rates of only 32.1% per annum
  • Quick and easy application

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.

EZI Finance - You can trust us with your financial emergencies

If you have blemishes on your credit record you should know that this will not necessarily prevent you from borrowing money ever again.

There are special loan products to help people with bad credit obtain a financial solution. Read this EZI Finance bad credit loans review to decide if these products can be of help to you given your financial situation.

Experienced at finding you the best deal

EZI Finance is a service provider specialising in assisting people who have a bad credit record with finding loans when all the other lenders say no. Our company has considerable experience and provides simple friendly service. It operates entirely online and this makes its service accessible for everyone.

The online application saves you time and effort and makes it much faster for you to obtain a loan. Our EZI Finance bad credit loans are provided by a variety of micro lenders specialising in the provision of this type of credit product.

The benefits of our service

The job of the company is to process your application and to submit it to these lenders. The major benefit is that you can apply to more lenders at the same time, this gives you a much higher chance of securing a loan.

Another benefit is that your credit score will not be adversely affected as you will not make a large number of separate applications. You can expect EZI Finance bad credit loans to be quite diverse. The loan amount which you will qualify for will depend on your income and your existing debt. Generally, most loans are unsecured so your salary will be the major deciding factor on the amount which you will be able to borrow and if your loan application will be approved or not.

You must be employed to apply

Interest rates on bad credit loans are higher than the ones which people with a clean credit record are charged, but we are competitive within the bad credit range. The fees we charge are reasonable and our loan terms are flexible. You will be able to select the term of the loan depending on how much you borrow.

This review's verdict is that the EZI Finance bad credit loans are diverse and offer a great amount of flexibility.

Customer Reviews & Testimonials

May 2019

There is always a benefit you get from applying for a EZI Finance loan!
Christopher Van Rensburg

Christopher V
— Northern Cape —

May 2019

EZI Finance is the reason why my financial obligations were attended to in the most cost effective way.

Nokwanda D
— Soweto —

EZI Finance Contact

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 08:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed