Arcadia Finance review

4.0Matching service · not a lender

The longest-running matching service here, with a real review record and the widest term range.

The most established matching service on this list: one application, offers from up to 19 lenders through its broker partner, a published representative example and a Trustpilot record of around 2 500 reviews.

Who it suits: A borrower looking at a personal or consolidation loan who wants several bank and non-bank offers before choosing.

What a matching service is

Arcadia Finance does not lend money, set interest rates or make credit decisions. It collects your details and passes them to lenders that pay it a referral fee. The lender that accepts you runs the affordability assessment, issues the quotation and pays out; your agreement is with that lender. The fee can't be added to your loan — costs are capped by the National Credit Act however you applied.

MoneyMatcher rating

4.0

Transparency: 4/5
Cost: 3/5
Speed: 3/5
Flexibility: 5/5

See offers via Arcadia Finance

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.

Key facts

Read from the company's own site on 25 August 2026

Type	Matching service — not a credit provider
Legal name	Draivi Media Oy
Company registration	FI-24645516 (Finland)
Operator	Draivi Media Oy, Finland; Rosebank, Johannesburg mailing address; partners with Myloan.co.za
Products	personal, consolidation, short-term
Advertised range	R100 – R350 000
Terms	3 months – 72 months
Payout	Offers immediately after the form; payout set by the lender you choose
Cost example	Site's representative example: R30 000 over 36 months at a maximum 28% a year ≈ R1 360 a month including initiation and service fees Source: https://www.arcadiafinance.co.za/ (representative example)
Website	www.arcadiafinance.co.za

Source: https://www.arcadiafinance.co.za/ (not a credit provider; R100–R350 000; 3–72 months; up to 19 lenders via Myloan.co.za; employment of 6+ months; Trustpilot 4/5 on about 2 500 reviews; Draivi Media Oy FI-24645516)

Where it does well

Publishes a representative example
Large lender panel through Myloan.co.za
Non-binding offers, free, long public review history

Where it doesn't

Applications go through a broker chain, not to lenders directly
Six months' employment required
Not a credit provider

Questions about Arcadia Finance

›Is Arcadia Finance a lender?

No. Arcadia Finance is a matching service run by Draivi Media Oy, Finland. It forwards your application to registered credit providers; any loan agreement is between you and the lender that accepts you.

›Does Arcadia Finance charge me anything?

No. Matching services are paid by the lenders they refer to. That fee cannot be added to your loan cost, which is capped by the National Credit Act regardless of how you applied.

›Will Arcadia Finance check my credit record?

The platform itself usually runs a soft pre-check. The lender it forwards you to must run a full affordability assessment, including a credit check, before granting credit — no registered lender can skip that.

›How much can I get through Arcadia Finance?

The site advertises R100 – R350 000, which is the range across its partner lenders. Your offer depends on the lender's assessment, and most applicants are offered far less than the headline maximum.