Compare Loans in South Africa

You'll notice the tool above lets you sort by loan amount and by registration status, but not by rate. That's deliberate. The lenders on our panel publish their pricing in genuinely different units — some quote a daily rate, some an annual one, one describes a commission that varies by amount and term, and several don't publish a headline rate at all. Ranking those against each other would produce a tidy-looking league table built on a comparison that doesn't actually hold, and the lender that happened to word its pricing most flatteringly would come out on top regardless of what you'd really pay.

Instead, the rate column shows each lender's own published wording, so you can see exactly what has and hasn't been disclosed. The only figure that lets you compare like for like is the total Rand amount repayable on your specific loan, over your specific term — and the only place you'll get that reliably is the pre-agreement quotation the lender is legally required to give you before you sign. Our statutory fee calculator will show you what the National Credit Act caps that total at, which is a useful sanity check against any quote you're given.

The default ordering puts lenders that publish an NCR registration number first, because a registration you can verify at ncr.org.za is the single most useful signal available to you before you apply. Beyond that, ordering follows whichever sort you choose — it is never influenced by what a lender pays us, and we don't accept payment for placement. Our how we make money page sets out that arrangement in full.