South Africa · Registered lenders, checked · Matching services labelled

Compare loans on what they really cost.

Pick an amount. See the most it may legally cost, then the registered lenders and matching services that actually cover it.

Short-term loans Personal loans All companies, rated

What R2 000 is legally allowed to cost

Legal maximum · NCA caps

Amount: R2 000

R500R8 000

Repayment

Short-term loans this year

Loan: R2 000
Interest (5%/mo): R100.00
Fees incl. VAT: R373.75
Total to repay: R2 473.75

Fees: initiation R304.75 (R165 + 10% above R1 000, capped at R1 050, plus VAT) and service fees R69.00 (R60 plus VAT per month). Interest is the small part of a short loan; fees are the part to compare.

Caps per NCA regulations effective 6 May 2016; repo rate 7.00% since 28 May 2026. Last checked 25 August 2026.

Featured options

Compare all short-term options

Binixo4.5
Matching service · not a lenderFeatured partner
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
The widest single form on this list: R1 000 to R50 000 across a named partner panel, free to use.
Advertised
R1 000 – R50 000
Term
3 months – 6 months
Payout
Set by the lender you choose; the site says same day
- For: One form covers R1 000–R50 000, the widest range here
- Against: Partners overlap with other entries here, so some options repeat
Read the review See offers
Letocredit3.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
A quick way to see several small-loan lenders at once; ignore the 'no credit check' line on its homepage.
Advertised
R500 – R15 000
Term
2 months – 12 months
Payout
Same day for most partner lenders; often 15–30 minutes after confirmation
- For: Free, and explicit that it is not a lender
- Against: 'No credit history check' claim contradicts the affordability assessment every registered lender must run
Read the review See offers
MoneyHello4.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
The 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
- For: Names its partner lenders and their NCRCP numbers
- Against: Not a credit provider — your agreement is with whichever lender accepts you
Read the review See offers

Featured partners pay us a commission when you apply through them; that decides the position, not the star rating. Matching services are not lenders — your agreement is with the lender that accepts you, and every lender must assess affordability.

Registered short-term lenders, ranked

All companies, rated

Jabulani Money3.5
NCR NCRCP22362
Fast, 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
Read the review Apply
CreditBar3.0
NCR NCRCP23238
The 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
Read the review Apply
LendPlus3.5
NCR NCRCP17814
Publishes 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
Read the review Apply
CrediWise4.0
NCR NCRCP22496
Goes 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
Read the review Apply
PrimeLoans4.0
NCR NCRCP20937
The 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
Read the review Apply
Century Financial Services3.5
NCR NCRCP20790
Full 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
Read the review Apply

Lender	Rating	Amount	Term	Payout
Jabulani Money NCR NCRCP22362	3.5 Fast, small and clearly registered; ask for the quotation before you count on the amount.	R500 – R5 000	—	Decision in 10–25 minutes; transfers typically post within 5 minutes, same or next business day at the latest	Apply
CreditBar NCR NCRCP23238	3.0 The fastest payout on the list, on the shortest terms — expensive per rand, fine for a genuine one-off.	R500 – R5 000	7 days – 45 days	Within about an hour of approval in business hours; decisions in about 15 minutes	Apply
LendPlus NCR NCRCP17814	3.5 Publishes its full pricing and pays out at weekends via eWallet; the price is near the legal cap.	R500 – R4 000	66 days – 3 months	15 minutes to 2 hours in business hours; instant to an eWallet at any time	Apply
CrediWise NCR NCRCP22496	4.0 Goes to the full R8 000 short-term ceiling with the same fast platform as LendPlus.	R500 – R8 000	—	15 minutes to 2 hours in business hours; instant to an eWallet at any time	Apply
PrimeLoans NCR NCRCP20937	4.0 The clearest pricing on the list — a full worked example with VAT — and two to three months to repay.	R500 – R4 000	2 months – 3 months	15 minutes to 2 hours in business hours; instant to an eWallet at any time	Apply
Century Financial Services NCR NCRCP20790	3.5 Full short-term range and a mandate-first approach; its own site prints its NCR number two different ways.	R500 – R8 000	—	Same business day once the DebiCheck mandate is confirmed	Apply

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.

Matching services: one form, several lenders

These are not lenders. Each takes one application and passes it to a panel of registered credit providers, who then decide, quote and pay out. The agreement you sign is with the lender, and every lender still runs an affordability assessment.

Letocredit3.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
A quick way to see several small-loan lenders at once; ignore the 'no credit check' line on its homepage.
Advertised
R500 – R15 000
Term
2 months – 12 months
Payout
Same day for most partner lenders; often 15–30 minutes after confirmation
Read the review See offers
MoneyHello4.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
The 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
Read the review See offers
Binixo4.5
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
The widest single form on this list: R1 000 to R50 000 across a named partner panel, free to use.
Advertised
R1 000 – R50 000
Term
3 months – 6 months
Payout
Set by the lender you choose; the site says same day
Read the review See offers
Finpug3.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
Letocredit's sister site with a wider amount slider; it openly encourages applying to several lenders at once.
Advertised
R500 – R50 000
Term
2 months – 12 months
Payout
Usually within 30 minutes of a partner lender's approval in business hours
Read the review See offers
Creditomax2.5
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
A matching service that publishes less about itself than any other entry here — apply through it only if you already know the lender.
Read the review See offers
Crezu4.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
Names its operator, publishes its terms and an example, and covers everything from R500 to a consolidation loan.
Advertised
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
Read the review See offers
Creditum3.5
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
Arcadia's twin from a Finnish publisher, on the same Myloan panel, with the same clear example.
Advertised
R500 – R350 000
Term
6 months – 72 months
Payout
Non-binding offers in seconds; payout set by the lender you choose
Read the review See offers
Arcadia Finance4.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
The longest-running matching service here, with a real review record and the widest term range.
Advertised
R100 – R350 000
Term
3 months – 72 months
Payout
Offers immediately after the form; payout set by the lender you choose
Read the review See offers
Dengoo2.5
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
Names no company behind it and promises 'no checks required' — treat it as a form that reaches LendPlus, Lime24 and the Myloan panel.
Advertised
up to R350 000
Term
up to 12 months
Payout
Site says up to 15 minutes after the partner lender's approval
Read the review See offers
CreditNice3.0
Matching service · not a lender
One form, passed to a panel of registered lenders. The loan agreement is with the lender.
A Ukrainian-run matching form for small, short loans; it names its operator but not its South African partners.
Advertised
R1 000 – R10 000
Term
7 days – 2 months
Payout
Matching in minutes; payout set by the lender that responds
Read the review See offers

Find by loan type

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Instant cash loans: what 'in 5 minutes' really means

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Compare long-term personal loans over 12 to 72 months: the legal maximum rate, what a longer term does to the total you repay, and who covers your amount.

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Salary advance, card advance or a short loan from a lender: what each costs, the legal maximum on small amounts, and which registered lenders lend R500.

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Calculators

Built on the SARS tables and the National Credit Act caps, with the date of every figure shown.

Short-term loan cost

The most a lender may charge on up to R8 000 over one to six months.

Personal loan calculator

Instalment and total cost at the repo + 21% cap, with fees and credit life.

Salary & PAYE calculator

Gross to take-home for the current SARS tax year, with UIF, rebates and medical credits.

How MoneyMatcher works

The cap comes first

Every figure labelled 'legal maximum' is computed from the National Credit Act regulations, not taken from a lender. Compare any quotation against it.

Lenders and matching services, kept apart

Registered lenders publish an NCR number and lend. Matching services take one form and pass it to lenders. They are labelled on every card and never mixed into the lender table.

The order is commercial; the stars aren't

Partners pay us when you apply, and that sets the order and who is featured. The star ratings score transparency, cost, speed and flexibility, and a company can't pay to change them.

How we work · How this site makes money