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 is a commercial one. The first five lenders in the list occupy paid placements, with the first carrying a "Featured" label — that positioning reflects our commercial arrangements, not an editorial judgement that they are the best option for you. We're telling you this plainly because a comparison site that quietly sorts by what it earns, while implying the order is neutral, isn't worth reading.

What that placement does not do is change any of the underlying facts. Featured lenders get no different treatment in what we publish: the same amounts, terms, rates and registration details, taken from the same published sources, with the same exclusions flagged. No lender pays to appear on the panel at all, none can pay to have something removed from its review, and the featured lenders are not the only ones worth looking at — two of the 5 publish no NCR registration number (Letocredit and MoneyHello), which the list shows you.

If you'd rather not see a commercially ordered list, the sort control changes it. NCR registered firstputs the lenders with a verifiable South African registration at the top, which is the ordering we'd suggest if you're weighing who to trust; you can also sort by loan amount or alphabetically, and filter to NCR-registered lenders only. Our how we make money page explains the arrangement in full.