Rating based on 61 reviews


  • Personal loans up to R250,000
  • Low-interest starting from 23%
  • Repayment up to 60 months

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Author DebtLab. Screenshot of DebtLab website.
[Accessed December 8, 2022]

About DebtLab

DebtLab takes pride in providing one of the best insurance services to South Africans.

Seeing how unpredictable the world has become, it has become paramount to take out life insurance. If you're looking for a cell phone contract, DebtLab can arrange that deal for you too.

DebtLab will always deliver

Our application process was designed in such a way that you never have to wait that long before you get the response on your credit application. With the superior quality of our service, we can provide, effectiveness and efficiency are key.

We have dealt with credit plans from the day we opened the shop so we have become quite good at what we do. Personal loans, credit cards, debt management, and counseling are our areas of expertise.

DebtLab Services

Without making the loan application complicated, we have made everything easier and convenient, making the credit request accessible for everyone.

Our personal loans come highly recommended because our interest rates are affordable.

Loans from R500 to a maximum of R150 000

The loans that we offer are specific to an individual’s needs and affordability rank. We will never award you a credit plan that will prove to be too difficult for you to pay up.

The time taken to repay the loan is up to you

The minimum time to repay your loan is 1 month and the longest time you can take is 60 months. All you have to do is complete the loan application form and we will see to it that you get the best deal.

DebtLab – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 23%
  • Loan Amount up to R250,000
  • Repayment 30 days to 60 months
  • Decision 24 hours

Benefits of DebtLab

  • Legal advice assist available
  • Comprehensive credit reports
  • Your loan delivered in 3 minutes

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

For fast, reliable services you can count on, turn to Debt Lab

The money that you apply is usually the amount that we deposit into your account making it easier to finance your monthly shortcomings.

By making use of the Debt Lab quick personal loans review, you will be able to determine which is the right credit deal for you. It is on very rare circumstances that a person might be applying for credit with no intention of using the money immediately.

In many instances, people usually apply for instant loans because they want to make use of the loan right away. The reputation we have built over the decade has remained firm due to the customer service that we give our clients.

At DebtLab, there are no delays

Although the outcome of your loan can be completed in less than 24 hours, it is important to emphasize the fact that it might even take a slightly less turnaround time before the money is deposited into your bank account. Furthermore, being a 24/7 service makes it easier for the people that don’t have enough time during the day to apply at night.

There is a series of steps that need to be followed before you can apply for the loan at Debt Lab. After you have made a credit request, we will get you a broker according to the requirements you have stipulated in your application. Having many lenders renders as an advantage when a client’s application is rejected by one broker, you can move on to the next.

DebtLab gives the client the freedom of credit choice

Getting personal loans online has never been this easier. The amount you would like to get will depend on your credit history and if you meet our lending criteria. Therefore, it is imperative to always ensure that you get your financial records in line.

Our consultants are the people that have to do the hard work of finding you a credit plan. As a customer, you don’t have to do anything. Our review has found DebtLab personal loans to be highly versatile and beneficial for customers

Customer Reviews & Testimonials

January 2019

Debt Lab offers a variety of different financial products so when I needed finance it was lovely to have many options to choose from. Their personal loans are highly attractive and are a personal...

Daphne S
— Pietermaritzburg —

February 2019

Thanks to the personal loan from debt lab my wife and I were able to renovate our new kitchen! Thanks, Debt lab for making our household dreams a reality.

Patrick K
— Boksburg —

DebtLab Contact

Contact Number


  • not available


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 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed