Loan-matching service review

Arcadia Finance review

A free loan comparison service that sends one application to up to 19 South African lenders.

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Reviewed by LM editorial teamLast reviewed
Arcadia Finance logo

Arcadia Finance

Loan-matching service

Loan amount
R500 – R350,000
Term
6 – 72 months
Rate
APR 11% – 28% (set by matched lender)
Company
Draivi Media Oy
Based in
Finland
Checked
October 2026

Arcadia Finance is not a registered credit provider. It passes your details to partner lenders. The lender you are matched with sets the rate, fees and term, and must be registered with the NCR. Check that lender's NCR number before you sign.

About Arcadia Finance

Arcadia Finance is an online loan comparison service for South Africans. It says it "is an online loan comparison tool and not a credit provider". You fill in one form and receive offers from up to 19 lenders. Loans range from R500 to R350,000 over 6 to 72 months.

Arcadia is run by Draivi Media Oy, a Finnish company (business ID FI-24645516). It passes your application to its partner Myloan.co.za. Arcadia says it only works with NCR-registered credit providers. It is free and the offers are non-binding.

Rates are set by the lender you choose. Arcadia quotes rates from 11% up to a maximum APR of 28%. Its example: R30,000 over 36 months at 28% costs about R1,360 a month, including fees. You must be over 18 and employed for more than 6 months.

What Arcadia Finance says a loan costs

Arcadia Finance's own example: "Estimated repayments on a loan of R30 000 over 36 months at a maximum annual interest rate of 28% would be R1 360 per month including an initiation fee and monthly service fees."

Fees as published: Free to use: "It is completely free and non-binding to compare loans using Arcadia Finance online." Lenders may charge an initiation fee and a monthly service fee.

The lender you are matched with must give you a written quotation first. Compare the total amount you will repay, not only the rate.

Arcadia Finance requirements

  • Over 18 years old
  • Employed, for more than 6 months
  • Loan no more than 8 times your monthly income

Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.

How to apply at Arcadia Finance

  1. Fill in the online application. Arcadia says it takes minutes.
  2. Arcadia forwards your application to its loan intermediary partner, Myloan.co.za.
  3. You receive personalised offers from up to 19 lenders.
  4. Accept or decline the offers. If you accept, you sign the lender's agreement.

Apply at Arcadia Finance →

We may earn a commission if you apply through this link. It does not change what you pay. How we make money.

Arcadia Finance contact details and login

Websitehttps://www.arcadiafinance.co.za/
Emaildpo@draivi.com (data protection, from privacy policy)
AddressN°5 Sturdee Avenue, Suite 301, 2196, Rosebank, Johannesburg, South Africa (mailing address only)

Taken from Arcadia Finance's own website in October 2026. Lendable Marketplace is not Arcadia Finance and can't help with your account.

What customers say

  • Trustpilot: 4.0/5 (Great), from 2,882 reviews (checked 2026-10-01).
  • Hellopeter: 1/5 (no TrustIndex – too few recent reviews), from 3 reviews (checked 2026-10-01).

We don't give our own star ratings. These scores are from independent review sites and can change daily.

Pros and cons

Pros

  • Free and non-binding to compare offers.
  • One application can reach up to 19 lenders.
  • Publishes a rate range, a maximum APR and a representative example.
  • Says it only works with NCR-registered credit providers.
  • Strong Trustpilot score of 4.0 from 2,882 reviews.

Cons

  • Not a credit provider. The lender sets the final rate, fees and payout time.
  • Your details go to Myloan.co.za and lenders. Expect marketing emails and SMS.
  • Needs 6+ months of employment, so may not suit the self-employed or unemployed.
  • Operated from Finland. No phone number is published.
  • Small Hellopeter profile with a 1-star rating.

Alternatives to Arcadia Finance

Other loan-matching services on our panel of 15:

  • Crezu — R500 – R350,000, 6 – 72 months.
  • Dengoo — Up to R350,000, 1 – 365 days.
  • Creditum — R500 – R500,000, 6 – 72 months.

Related: Short-term loans, Online loans, Bad credit loans, Compare all lenders.

Questions to ask Arcadia Finance before you sign

  • What is the total amount I will repay, in rand, including interest and all fees?
  • Which lender will I sign with, and what is its NCR number?
  • What happens if I repay early, or miss a payment?
  • Is any insurance compulsory, and what does it cost each month?

Struggling with debt already? Speak to a registered debt counsellor via the NCR before you borrow more.

How we checked this review

We checked Arcadia Finance's own website and terms, in October 2026. We did not take out a loan. Spotted something out of date? Tell us and we'll check it. Read how we make money and check providers.

A note on how we work: Lendable Marketplace is a comparison site, not Arcadia Finance. We may earn a commission if you apply through our links; it doesn't change what you pay or what we write.

Arcadia Finance — frequently asked questions

What do I need to apply through Arcadia Finance?

Arcadia says you must be over 18 and employed for more than 6 months. The loan should not be more than 8 times your monthly income. Each lender also does its own checks.

How do I apply?

Fill in the online form on arcadiafinance.co.za. Arcadia passes it to its partner Myloan.co.za, which gets offers from up to 19 lenders. You can accept or decline any offer.

Is there an Arcadia Finance login?

We did not find a customer login on the site. If you take a loan, you manage it with the lender you chose.

How do I contact Arcadia Finance?

The privacy policy lists dpo@draivi.com for data questions. The SA mailing address is N°5 Sturdee Avenue, Suite 301, Rosebank, Johannesburg, 2196. No phone number is published.

Is Arcadia Finance registered with the NCR?

No. Arcadia says it "is an online loan comparison tool and not a credit provider". It says it only works with NCR-registered credit providers. Check the lender's NCRCP number at ncr.org.za before you sign.

What if I can't repay my loan?

Your loan is with the lender, not Arcadia, so the lender's terms apply. If you can't pay, contact the lender before the due date. If you are over-indebted, speak to an NCR-registered debt counsellor (find one at ncr.org.za or call the NCR on 0860 627 627).