Compare South African Lenders
All NCR-registered financial institutions
Quick Comparison
Lime
Fasta
Uapply Loan
Lime24
Wonga South Africa
Fincheck
Capitec Bank
African Bank
FNB Personal Loans
Standard Bank
Nedbank Personal Loans
Absa Personal Loans
Sanlam Personal Loans
Old Mutual Personal Loans
TymeBank
Discovery Bank
DirectAxis
Bayport Financial Services
Real People
RCS
| Lender | Amount | APR | Term | Approval | Actions |
|---|---|---|---|---|---|
| Lime Priority Partner Featured | R1000 -
R15000 | 22.8%
from | 1-12 months | 10-15 mins | |
| Fasta Priority Partner Featured | R500 -
R8000 | 25.5%
from | 0-6 months | 10-15 mins | |
| Uapply Loan Priority Partner Featured | R500 -
R10000 | 28%
from | 0-4 months | 10-15 mins | |
| Lime24 Verified Top Choice | R1000 -
R15000 | 22.8%
from | 1-12 months | 10-15 mins | |
| Wonga South Africa Verified Fast Payout | R500 -
R4000 | 28.5%
from | 0-1 months | 10-15 mins | |
| Fincheck No Bureau Fast Payout | R300 -
R2500 | 33.5%
from | 0-2 months | 10-15 mins | |
| Capitec Bank Top Bank Lowest APR | R1000 -
R250000 | 19.5%
from | 1-60 months | 10-15 mins | |
| African Bank Top Bank Highest Amounts | R1000 -
R350000 | 25.5%
from | 1-73 months | 10-15 mins | |
| FNB Personal Loans Big 4 Bank Verified | R3000 -
R250000 | 22%
from | 6-73 months | 10-15 mins | |
| Standard Bank Big 4 Bank Verified | R2000 -
R300000 | 21.5%
from | 6-73 months | 10-15 mins | |
| Nedbank Personal Loans Big 4 Bank Verified | R5000 -
R250000 | 22.5%
from | 6-73 months | 10-15 mins | |
| Absa Personal Loans Big 4 Bank Verified | R3000 -
R250000 | 21%
from | 6-73 months | 10-15 mins | |
| Sanlam Personal Loans Insurance-Linked Verified | R10000 -
R200000 | 19.5%
from | 12-73 months | 10-15 mins | |
| Old Mutual Personal Loans Insurance-Linked Verified | R10000 -
R250000 | 20.5%
from | 12-73 months | 10-15 mins | |
| TymeBank Digital Bank Fast Approval | R500 -
R50000 | 27%
from | 1-24 months | 10-15 mins | |
| Discovery Bank Fintech Leader Rewards Program | R10000 -
R300000 | 19.25%
from | 12-73 months | 10-15 mins | |
| DirectAxis Fast Approval Online Only | R1000 -
R100000 | 25.5%
from | 3-60 months | 10-15 mins | |
| Bayport Financial Services Payroll Loans Government Employees | R500 -
R150000 | 42%
from | 3-60 months | 10-15 mins | |
| Real People Microfinance Emergency Loans | R500 -
R8000 | 52.5%
from | 1-6 months | 10-15 mins | |
| RCS Retail Credit Verified | R500 -
R30000 | 35%
from | 2-24 months | 10-15 mins |
All Lenders Are NCR Registered
Every lender on Credizen is registered with the National Credit Regulator and complies with the National Credit Act 34 of 2005
Verified Registration
We verify each lender's NCR registration number monthly to ensure compliance
Consumer Protection
NCR registration means lenders must follow strict affordability and responsible lending rules
Dispute Resolution
If you have issues, you can file complaints with NCR or the National Consumer Tribunal
Verify any lender's registration at the official NCR website
Visit NCR WebsiteFrequently Asked Questions
How do you choose which lenders to list?
We only list lenders that are NCR-registered, have transparent pricing, positive customer reviews, and follow responsible lending practices. See our full methodology.
Do you recommend the lender that pays you the most?
No. Our AI ranks lenders based on your profile match (loan amount, affordability, term, purpose, location). Commission is only a tie-breaker if two lenders have equal scores. See our affiliate disclosure.
What's the difference between banks and microfinance lenders?
Banks (like Capitec, FNB) typically offer larger loans (R5,000-R250,000) with lower APRs but stricter requirements. Microfinance lenders specialize in smaller, short-term loans (R500-R15,000) with faster approval but higher APRs. Both are NCR-regulated.
Can I apply to multiple lenders at once?
Yes, but be cautious. Multiple credit checks in a short period can temporarily lower your credit score. We recommend applying to your top 1-2 matches first, then waiting for responses before applying elsewhere.
Why aren't certain lenders listed?
We may not list a lender if they: 1) aren't NCR-registered, 2) have poor customer reviews, 3) lack transparent pricing, 4) haven't responded to our partnership requests, or 5) don't meet our responsible lending standards.
Do lenders pay to be featured?
Lenders with "Featured" or "Priority Partner" badges pay higher affiliate commissions, which allows us to keep Credizen free for consumers. However, these badges don't change their AI match score—they just help us sustain the platform.
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