Borrowing in South Africa: guides on costs, rules and lender checks
Plain-language guides on borrowing in South Africa: what a loan really costs, which documents lenders ask for, what they check on your credit record, and what the National Credit Act says about fees and debt review. Find your situation below, read the costs first, then compare lenders.
Need money? Compare loans
See all 9 lendersHighest amount on the list: up to R8 000
- Amount
- up to R8 000from R500
See terms
- Source of the terms
- kredio.co.za · 27 Oct 2026
- Registration
- NCRCP24149 · NCR register
- Application and payout
- decision in 15 min or less · applications 24/7, according to the lender
- Amount
- up to R5 000from R500
- Term
- up to 61 daysfrom 7 days
See terms
- Source of the terms
- creditbar.co.za · 25 Oct 2026
- Registration
- NCRCP23238 · NCR register
- Application and payout
- applications 24/7, according to the lender
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Ready to compare? Check the cost, then apply
Compare loans from lenders by amount, term and total repayment, or work out the total with the loan cost calculator, then apply on the lender's site.
Apply on the lender's site: Apply at Kredio, Apply at Creditbar, Apply at Crediwise. The lender makes the decision; approval is not guaranteed.