Online loan companies, reviewed
Every company we work with, rated out of five on transparency, cost, speed and flexibility. Registered lenders and matching services are labelled on every card — a matching service takes one form and passes it to lenders, and the loan agreement is always with the lender.
The order of this list is set by us and takes our partner agreements into account. The star ratings don't: they are our editorial view, and a company can't pay to change them.
Letocredit3.0Matching service · not a lenderA quick way to see several small-loan lenders at once; ignore the 'no credit check' line on its homepage.
- Amount
- R500 – R15 000
- Term
- 2 months – 12 months
- Payout
- Same day for most partner lenders; often 15–30 minutes after confirmation
MoneyHello4.0Matching service · not a lenderThe most transparent matching service on this list: names every partner lender and its NCRCP number.
- Term
- 3 months – 72 months
- Payout
- Set by the lender you choose after matching
NCR NCRCP22362Fast, small and clearly registered; ask for the quotation before you count on the amount.
- Amount
- R500 – R5 000
- Payout
- Decision in 10–25 minutes; transfers typically post within 5 minutes, same or next business day at the latest
CreditBar3.0NCR NCRCP23238The fastest payout on the list, on the shortest terms — expensive per rand, fine for a genuine one-off.
- Amount
- R500 – R5 000
- Term
- 7 days – 45 days
- Payout
- Within about an hour of approval in business hours; decisions in about 15 minutes
LendPlus3.5NCR NCRCP17814Publishes its full pricing and pays out at weekends via eWallet; the price is near the legal cap.
- Amount
- R500 – R4 000
- Term
- 66 days – 3 months
- Payout
- 15 minutes to 2 hours in business hours; instant to an eWallet at any time
CrediWise4.0NCR NCRCP22496Goes to the full R8 000 short-term ceiling with the same fast platform as LendPlus.
- Amount
- R500 – R8 000
- Payout
- 15 minutes to 2 hours in business hours; instant to an eWallet at any time
Binixo2.5Matching service · not a lenderA second front door to lenders already on this list; its own legal text contradicts itself.
- Amount
- R1 000 – R50 000
- Term
- 3 months – 6 months
- Payout
- Set by the lender you choose; the site says same day
Finpug3.0Matching service · not a lenderLetocredit's sister site with a wider amount slider; it openly encourages applying to several lenders at once.
- Amount
- R500 – R50 000
- Term
- 2 months – 12 months
- Payout
- Usually within 30 minutes of a partner lender's approval in business hours
PrimeLoans4.0NCR NCRCP20937The clearest pricing on the list — a full worked example with VAT — and two to three months to repay.
- Amount
- R500 – R4 000
- Term
- 2 months – 3 months
- Payout
- 15 minutes to 2 hours in business hours; instant to an eWallet at any time
Creditomax2.5Matching service · not a lenderA matching service that publishes less about itself than any other entry here — apply through it only if you already know the lender.
NCR NCRCP20790Full short-term range and a mandate-first approach; its own site prints its NCR number two different ways.
- Amount
- R500 – R8 000
- Payout
- Same business day once the DebiCheck mandate is confirmed
Crezu4.0Matching service · not a lenderNames its operator, publishes its terms and an example, and covers everything from R500 to a consolidation loan.
- Amount
- R500 – R350 000
- Term
- 6 months – 72 months
- Payout
- Offers in about 2 minutes; the site says funds within 15 minutes of a lender's approval
Creditum3.5Matching service · not a lenderArcadia's twin from a Finnish publisher, on the same Myloan panel, with the same clear example.
- Amount
- R500 – R350 000
- Term
- 6 months – 72 months
- Payout
- Non-binding offers in seconds; payout set by the lender you choose
Matching service · not a lenderThe longest-running matching service here, with a real review record and the widest term range.
- Amount
- R100 – R350 000
- Term
- 3 months – 72 months
- Payout
- Offers immediately after the form; payout set by the lender you choose
Dengoo2.5Matching service · not a lenderNames no company behind it and promises 'no checks required' — treat it as a form that reaches LendPlus, Lime24 and the Myloan panel.
- Amount
- up to R350 000
- Term
- up to 12 months
- Payout
- Site says up to 15 minutes after the partner lender's approval
CreditNice3.0Matching service · not a lenderA Ukrainian-run matching form for small, short loans; it names its operator but not its South African partners.
- Amount
- R1 000 – R10 000
- Term
- 7 days – 2 months
- Payout
- Matching in minutes; payout set by the lender that responds
Borrowing money costs money — only borrow what you can afford to repay. Lenders listed here publish a National Credit Regulator registration; matching services are not lenders and are labelled as such. The order of our lists reflects our partner agreements; the star ratings are our own. Costs shown as "legal maximum" are the caps set by the National Credit Act, not a lender's price.