Rating based on 73 reviews

Loan Tracer


  • Bad credit loans up to R200,000
  • Low-interest starting from 10.71%
  • Repayment up to 60 months

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Loan Tracer homepage

Author Loan Tracer. Screenshot of Loan Tracer website. [Accessed April 5, 2018]

About Loan Tracer

Loan Tracer offers unbeatable and highly competitive short term loans to clients across the country.

With a client list a mile long, we have had only positive results and client satisfaction rates higher than we could have imagined. Our loan products are of the highest quality and the lowest rate possible.

World-class financial services

We aim to provide financial assistance to all South African citizens’ countrywide. Since our establishment in 2002, we have built a lending empire, based on our ability to maintain constant stand-out service. We make it simple to get finance when they are marked as blacklisted or have a bad credit score.

Loan Tracer will search our database and find you the best option that we can. This is where we shine. Our aim is to get everyone’s loan no matter what their credit record says, in the fastest turn around time

Minimum loan requirements

You need to have a permanent job and earn a monthly salary that gets paid into your bank account. You need to be over the age of 18 years old. Let us help you get a loan to help you through those cash strapped days.

Apply online now and let us change your life for the better. It’s easy, quick and available online. Apply today as you have nothing to lose and everything to gain.

Loan Tracer Services

Our loan service offers affordable cash loans to all South Africans, even those who are blacklisted or have a bad credit report or a low credit score.

There are so many reasons why you may need a loan in today’s world bills to pay, school fees to pay and a number of other reasons why you may need cash in a hurry. You could be financially stable and very good with your money but in life unexpected things happen all the time. You may need a quick loan to help you out in an emergency.

Bad credit loans

Being blacklisted makes it even more difficult for you to apply for a loan. Many lenders and especially banks will not offer you approval on a loan if you have a bad credit score but this doesn’t have to be the end for you, as we are able to assist you when no one else will even look at your application.

We don’t apply our qualifications for a loan on your credit score alone, in fact, we look at what you can afford to pay back, after your expenses each month.

Easy to afford

Easily apply for financing through our online application form, clients take a few minutes to complete their personal details and loan requirements. Once this step is completed send it to us for approval and verification. The money will be paid into your account within 24 to 48 hours and you can spend it on whatever you like.

Loan Tracer Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 10.7160% p/a
  • Loan Amount up to R200,000
  • Repayment 3 months to 60 months

Benefits of Loan Tracer

  • Satisfaction guaranteed
  • Blacklisted loans available
  • Assistance in as few as 24 hours
  • Loans of up to R200 000

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.

Loan Tracer will find a blacklisted loan for you with value added benefits

Simply visit our website and follow the easy steps

Clients can make use of our paperless process and complete the application form online. What’s even more amazing to our clients is that if they apply before 15h00, they can get cash in their bank account the very same day as soon as your application form has been approved.

You will receive an emailed notification from us once your application has been received and we will keep you informed every step of the way.

Provide the following documents:

  • Your most recent payslip
  • A valid South African ID document
  • 3 months bank statements

We aim for same day delivery

The quicker you forward us this information, the quicker we can verify your details and pay out your loan. We will give you a call once we do get the documents to finalise the last details of your loan agreement, and then the cash will be directly deposited into your banking account.

Fast service delivery

Our processes are quick and simple, we don’t jeopardise the quality of our customer care. We are lucky to have a support team of highly experienced members on board, who are always available to assist clients when they need a little guidance along the way.

We are the short term provider that is taking the online lending industry a step further. We have assisted thousands of clients on a monthly basis and have many of these happy clients return once their initial loan has been paid off.

Credit history verses affordability

Although many clients have a problem getting finance because of their credit history, we look at the bigger picture and focus on our client’s affordability more than what their credit score is, we look at if you can afford the payments on your loan to make our final decision.

Apply now and be one of the thousands of happy clients that got extra cash in their bank account to use as they please.

Customer Reviews & Testimonials

April 2019

Everything they do is with the outmost dedication to the best interest of the client.

Timothy R
— Soweto —

June 2019

Loan Tracer uses such a convenient loan application process.

Hilda V
— Carletonville —

Loan Tracer Contact

Contact Number



Physical Address

  • N Bank Ln, Century City Cape Town Western Cape 7441 South Africa
  • Get Directions

Postal Address

  • PO Box 569, Century City, 7446, South Africa

Opening Hours

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