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South Africa’s Finest Credit Providers

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Discover fast and reliable finance solutions from South Africa's Leading lenders

Looking for a lender that will provide you with a flexible loan at a great rate with minimal fees? Need a reliable debt review company that will get it right?

Leave the heavy lifting to us! By accessing our extensive collection of lenders you can find the perfect match for your financial needs.

Embrace the ease and convenience of LoansGuide and enjoy an effortless and stress-free journey to approval.

Frequently Asked Questions

Customisable financial solutions: Personal loans tailored to your needs and budget

Not only are the loan amounts, interest rates, and repayment terms tailored to suit your needs and credit profile but these nifty products are versatile and can be used for just about anything.

Whether it’s to cover unexpected medical bills, finance a home renovation project, or consolidate high-interest debt, they offer you the ideal solution.

How much can I borrow?

Personal loans can range from R1,000 to R300,000, with repayment terms varying from 12 to 72 months. Loam amounts and terms will depend on the lender and its risk assessment as well as on your credit score and income.

Will I get approved?

Lenders will assess your credit score, income, and debt-to-income ratio to determine whether you qualify for a loan. If you have a higher credit score and lower debt-to-income ratio you’ll be more likely to be approved for a loan and enjoy better interest rates.

How to choose a lender

When taking out a personal loan, it's important to compare interest rates, fees, repayment terms, eligibility requirements, borrowing limits, and flexibility. But, choosing the right lender is also an important factor. When choosing a lender it's important to consider their reputation, customer service, and loan terms. Our collection of lender profiles below can help you do just that.

SA's top personal loan providers

  1. Capfin  Personal Loan

    Capfin

    • Loans up to R50,000
    • Term up to 12 months
    • Interest from 5%
  2. Woolworths Personal Loan

    Woolworths

    • Loans up to R120,000
    • Term up to 60 months
    • Interest from 21%
  3. Challenor Finance Personal Loan

    Challenor Finan...

    • Loans up to R80,000
    • Affordable Personal Loans
    • Term up to 24 months
  4. African Bank Personal Loan

    African Bank

    • Loans up to R350,000
    • Term up to 72 months
    • Interest from 15%

Online loan calculator

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

Flexible short-term loans: Choosing a reliable NCR-registered lender

Short-term loans are designed to help you access quick cash when you’re faced with unexpected financial emergencies or just need a cash boost till month-end.

The flexibility of short-term loans allows you to use the funds for just about anything you need to deal with quickly. Cover unexpected bills, car repairs, home renovations, medical expenses, or any other urgent needs.

Typical short-term loan amounts and terms

With a short-term loan, you can typically borrow from R500 to R8,000, with repayment terms ranging from 1 week to 6 months.

To get your loan approved, you’ll need to provide the following

  1. A valid South African ID document or passport
  2. Proof of income, such as recent payslips or bank statements
  3. Proof of residence, such as a utility bill or lease agreement
  4. Banking details, such as a recent bank statement or a cancelled check
  5. Contact information, such as a phone number and email address

Get instant approval from a leading lender

Check out our collection of short-term lenders to help you choose the right one for you. These lenders are NCR-registered, reliable, and will quickly help you out when you're in a pinch. 

Short-term lenders with a quick turnaround time

  1. Hoopla Loans Short-term Loan

    Hoopla Loans

    • Loans up to R250,000
    • Term up to 60 months
    • Interest from 20%
  2. Unifi Short-term Loan

    Unifi

    • Loans up to R8,000
    • Term up to 6 months
    • Interest from 104%
  3. African Bank Short-term Loan

    African Bank

    • Loans up to R50,000
    • Term up to 24 months
    • Interest from 12%
  4. FNB Short-term Loan

    FNB

    • Loans up to R150,000
    • Term up to 60 months
    • Interest from 13%

What is debt review?

Debt review, also known as debt counselling, is a process that aims to assist individuals who are struggling with excessive debt. It’s a legal and structured debt management program regulated by the National Credit Regulator (NCR).

Through debt review, a qualified debt counsellor assesses an individual's financial situation, negotiates with creditors on their behalf, and develops a revised repayment plan that is affordable based on the individual's income and expenses. Debt review provides individuals with a means to regain control of their finances, avoid legal actions from creditors, and work towards becoming debt-free.

How does debt counselling work?

Debt review begins with an assessment of your financial situation by a registered debt counsellor, who evaluates your income, expenses, debts, and assets. If eligible, you complete the application forms and provide relevant financial information.

Creditors and credit bureaus are then notified of your debt review status, preventing legal action. The debt counsellor negotiates with creditors for favourable terms, creating a debt repayment plan tailored to your affordability.

Making regular payments to a Payment Distribution Agency (PDA) ensures debts are paid according to the plan. Successful completion leads to a clearance certificate, signifying the achievement of the debt-free goal.

Is debt review a good idea?

Debt review can be beneficial if you’re struggling with overwhelming debt and need assistance in managing your financial obligations. It offers a structured and supervised approach to debt repayment, helping to alleviate financial stress and provide a path towards becoming debt-free.

Why choosing the right debt review agency is crucial

Choosing the right debt counselling agency is crucial for successful debt review. Reputable agencies with expertise and accreditation will guide you through the process, offer tailored solutions, and have industry connections to negotiate better terms. Trust, transparent fees, and excellent customer service are also important factors so choose wisely.

Bigger is not always better, which is why we’ve included everything from the country’s largest debt review agencies to the smallest, many of which have won awards in their respective categories. If you’re ready to apply for debt review, reviewing our collection of agencies is a great place to start.

Our comprehensive collection of debt counselling agencies in SA

  1. Meerkat Debt Counselling

    Meerkat

    • Immediate Debt Relief
    • Lower Interest Rates
    • Full Legal Protection
  2. Debt Rescue Debt Counselling

    Debt Rescue

    • Free Debt Assessment
    • Protection from Creditors
    • Restructured Payment Plan
  3. Debt Review Centre Debt Counselling

    Debt Review Cen...

    • Structured Repayment Plan
    • Protect Your Assets
    • Reduced Interest Rates
  4. Credit-Rescue Debt Counselling

    Credit-Rescue

    • Protect Your Assets
    • One Affordable Instalment
    • Reduced Interest rates

How to find the best home loans in South Africa

This may come as a surprise but there are only five major home loan providers in South Africa. Four of these are leading banks and the fifth is SA Home Loans which functions as an alternative provider for those who do not qualify for bank finance.

While the number of home loan providers in South Africa is limited, exploring all available options can help you find a loan that suits your needs and helps you achieve your homeownership goals. Finding the best home loan involves thorough research, careful consideration of your financial circumstances, and potentially seeking professional advice.

Do you qualify for a home loan?

Factors that lenders consider to determine if you qualify for a home loan include your credit score, income level, employment history, and debt-to-income ratio. Meeting the minimum requirements increases your chances of qualifying for a home loan.

How to apply for a home loan

This depends on whether you’ve found a property and have made an Offer to Purchase or want to get pre-approved before you go house-hunting. Take a look at the profiles of SA’s major home loan providers below to help you choose the best option and follow the advice on how to apply provided. The best option is certainly not always your everyday bank! 

Get the best rates with these mortgage giants

  1. FNB Home Loan

    FNB

    • Affordable Repayment Terms
    • Competitive Interest Rates
    • Interest from 10.5%
  2. Nedbank Home Loan

    Nedbank

    • Competitive Home Loans
    • Term up to 25 years
    • Interest from 3%
  3. SA Home Loans Home Loan

    SA Home Loans

    • Leading home loans
    • Term up to 30 years
    • Switch Your Existing Bond
  4. Absa Home Loan

    Absa

    • 100% Home Finance
    • Term up to 30 years
    • Interest from 11.25%

Bond originators give you access to offers from all the banks with one application

Using a professional bond originator can save you time and effort by handling the legwork of obtaining a home loan from various banks and lenders on your behalf, and the best part is that their services are typically free of charge.

What do bond originators do?

Bond origination involves working with a third party who acts as an intermediary between you and the lender. These experts assess your financial situation, credit history, and other factors to find the most suitable home loan option for your needs.

They negotiate with lenders for better interest rates and loan terms, simplify the application process, and ensure that all necessary legal and administrative requirements are met.

How to choose a skilled bond originator

It's crucial to choose a reputable and registered bond originator to ensure your best interests are served. While bond originators can provide access to multiple lenders and offer expert advice, there are potential downsides, such as limited lender options and a potential loss of control over the application process.

It's important to weigh the pros and cons, consider your specific needs, and research different bond originators before making a decision. We’ve collected information on 7 of the country’s leading bond origination agencies to help you access the best services with ease.

Skilled, NCR-registered bond originators to help access the best home loan deals

  1. GetGo Home Loans Bond Originator

    GetGo Home Loan...

    • Competitive Home Loans
    • Online Pre-approval
    • Term up to 30 years
  2. MultiNET Bond Originator

    MultiNET

    • Quotes from Multiple Banks
    • Term up to 20 years
    • Interest from 7.25%
  3. Better Bond Bond Originator

    Better Bond

    • Bond Offers from Leading Banks
    • Best Home Loan Deals
    • Save on Interest Rates
  4. Ooba Bond Originator

    Ooba

    • Get Pre-approved Online
    • Term up to 30 years
    • Interest from 7.25%