JustMoney Review

When it comes to managing your money, having the right tools and advice can make a big difference. JustMoney [JustMoney.co.za] is a South African online platform that helps people compare financial products, check their credit scores, and find trusted lenders and insurance providers. Whether you are looking for a personal loan, a new credit card, or need help with debt solutions, JustMoney offers a wide range of services to help you make better financial decisions. The platform is free to use, easy to understand, and designed to connect you with companies that can meet your needs.

How much do you need?

R 100R 200R 300R 400R 500R 600R 700R 800R 900R 1 000R 1 100R 1 200R 1 300R 1 400R 1 500R 2 000R 2 500R 3 000R 3 500R 4 000R 4 500R 5 000R 6 000R 7 000R 8 000R 9 000R 10 000R 11 000R 12 000R 13 000R 14 000R 15 000R 16 000R 17 000R 18 000R 19 000R 20 000R 25 000R 30 000R 35 000R 40 000R 45 000R 50 000R 60 000R 70 000R 80 000R 90 000R 100 000R 110 000R 120 000R 130 000R 140 000R 150 000R 160 000R 170 000R 180 000R 190 000R 200 000R 210 000R 220 000R 230 000R 240 000R 250 000R 260 000R 270 000R 280 000R 290 000R 300 000R 310 000R 320 000R 330 000R 340 000R 350 000

Repayment period

6 months7 months8 months9 months10 months11 months12 months13 months14 months15 months16 months17 months18 months19 months20 months21 months22 months23 months24 months25 months26 months27 months28 months29 months30 months31 months32 months33 months34 months35 months36 months37 months38 months39 months40 months41 months42 months43 months44 months45 months46 months47 months48 months49 months50 months51 months52 months53 months54 months55 months56 months57 months58 months59 months60 months61 months62 months63 months64 months65 months66 months67 months68 months69 months70 months71 months72 months

Monthly repayment

R 211

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✔ Over 2 million South African's have chosen Arcadia Finance

*Representative example: Estimated repayments of a loan of R30 000 over 36 months at a maximum interest rate including fees of 27,5% APR would be R1232.82 per month.
Loan amount R100 - R350 000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.

We work with Myloan.co.za. A leading loan marketplace in South Africa.

JustMoney connects South Africans with trusted debt counselling services to help manage existing debt through structured and affordable repayment plans. If you are struggling to keep up with multiple monthly repayments or facing financial pressure, keep reading to find out how JustMoney’s partnered debt counselling services work and whether they could be the right solution for your financial needs.

JustMoney: Quick Overview

Service Type: Debt counselling and debt review services offered through NCR-registered partners under the National Credit Act
Access: Free online debt assessment and information available through the JustMoney website
Eligibility: Must be a South African citizen or permanent resident with a valid ID and a regular income; 18 years or older
Fees: Fees are regulated by the National Credit Regulator (NCR) and are built into the monthly repayment amount during the debt review process
Additional Services: Debt consolidation support, customised repayment planning, legal protection from creditors once under review, access to free credit tools and financial education resources

JustMoney Full Review

What Makes JustMoney Unique?

One thing that makes JustMoney stand out is how it acts as a guide rather than a direct lender or insurance company. It focuses on helping South Africans make better financial choices by comparing different products from a wide range of trusted providers. Instead of applying to each lender or insurer one by one, users can view several offers on JustMoney’s website and choose the one that fits their situation. This saves a lot of time and effort. The platform is easy to navigate, provides clear information, and does not charge users for accessing its tools and services. It is designed to give users control over their choices without any hidden fees or confusing terms.

Another point that makes JustMoney different is the extra tools and education it offers. Besides comparing loans, credit cards, insurance, and banking products, the site also gives users free access to their credit score and helpful articles about personal finance. These tools help people understand their financial standing and improve their credit profile over time. JustMoney also sends reminders and tips to help users stay on track with their financial goals. This focus on education and transparency sets JustMoney apart from many other platforms that only care about selling products. It aims to build long-term trust with its users by offering real value, not just quick services.

Types of Services Offered by JustMoney

Requirements for a JustMoney Service

When applying for a service through JustMoney, the basic requirements are quite simple. Most services need you to be a South African citizen or permanent resident aged 18 or older. You will also need to have a valid South African ID and an active bank account. For loan and credit card applications, proof of income is usually needed, such as your latest payslips or bank statements. Some services might also request proof of address, such as a municipal bill that is less than three months old.

If you are applying for debt counselling or insurance products, additional details like your current debt obligations or a medical history (for life cover) might be needed. JustMoney acts mainly as the link between you and the provider, so once you select a product, the lender or insurer may ask for extra documents based on their specific requirements. The good part is that JustMoney explains what you need upfront, making the application process smoother.

Eligibility Check

JustMoney provides an easy online pre-qualification tool for loans and credit cards. By filling in a short application with basic personal and income details, you can quickly find out if you are likely to qualify for a product before committing to a full application. This soft eligibility check does not affect your credit score. It helps you avoid unnecessary rejections and focuses your time on applying only to lenders where you have a better chance of approval. The tool gives you a good idea of the products you qualify for without the pressure of immediate credit checks.

Who Is JustMoney Best For?

JustMoney is best suited for South African individuals who:

• Want to compare multiple financial products such as loans, credit cards, and insurance easily in one place
• Have a regular income and are looking for affordable loan or insurance options that match their budget
• Need access to debt counselling services with legal protection against creditor action
• Prefer using a free platform to access trusted financial providers without hidden costs
• Are looking for a regulated, NCR-accredited partner network with professional financial support and guidance

How Many Services Can I Request from JustMoney?

There is no limit to how many services you can request through JustMoney. You can apply for multiple services at the same time, such as comparing loans, credit cards, insurance, and even signing up for credit monitoring. However, the final approval and processing are handled by the lenders, insurers, or financial providers you choose. This means that while you can explore and request several options at once, each provider will have its own rules about how many active applications they allow you to have.

How JustMoney Creates Personalised Services

JustMoney tailors its service recommendations based on the information you provide during the application process. When you fill in your personal and financial details, the platform uses that information to match you with products that suit your profile. For example, if you indicate that you have a certain income level or credit score range, JustMoney will show you loan or credit card options that you are more likely to qualify for. This personalised matching helps save time and improves your chances of getting approved. It also ensures that you only view options that are more relevant to your needs.

JustMoney – Overview in Detail

Name	JustMoney
Company Type	Financial Services Platform (Partnered with NCR-Registered Debt Counsellors)
Regulator	National Credit Regulator (NCR)
Service Offered	Debt Counselling (Debt Review)
Minimum Age	18 years
Minimum Debt Amount	No fixed minimum – based on over-indebtedness and affordability
Maximum Debt Amount	No fixed maximum – tailored to your financial situation
Minimum Term	Typically 3 years
Maximum Term	Up to 5 years (depends on debt and repayment ability)
Monthly Repayment	Customised single instalment based on income and living costs
Interest Rate	Negotiated with creditors; often reduced during review
Early Settlement	Allowed – you can settle the full amount at any time
Repayment Flexibility	One monthly payment distributed to all creditors via a Payment Distribution Agency (PDA)
Asset Protection	Yes – protects from legal action or repossession once under debt review
NCR Accredited	Yes – fully compliant with the National Credit Act
Our Opinion	✅ NCR-compliant and legally recognised service ✅ Access to educational resources and financial tools ⚠️ Credit profile flagged while under review
User Opinion	✅ Helpful for managing multiple debts ✅ Staff praised for guidance and professionalism ⚠️ Access to new credit is restricted

How Long Does It Take to Complete My Service from JustMoney?

The time it takes to complete a service through JustMoney depends on the type of service and the specific provider you choose. For loan applications, you might receive offers within minutes after submitting your details, but final approval and payout can take between 24 hours and 5 working days. Insurance comparisons usually produce instant quotes, but signing up for a policy might take a few days, especially if extra paperwork is needed. Factors that affect processing speed include the completeness of your application, how quickly you submit required documents, and how fast the lender or insurer works. If you respond promptly to any requests for extra information, your service will generally be completed faster.

How Do I Pay for My Service from JustMoney?

Using JustMoney’s platform is free of charge. You do not pay anything to compare products, check your credit score, or use their financial tools. However, if you choose a service through one of their partners, such as a personal loan or an insurance policy, you will then be responsible for paying the fees, interest, or premiums directly to that provider based on their terms. Each lender or insurer will clearly outline any costs, such as monthly repayments for loans, insurance premiums, or once-off initiation fees. There are no hidden costs from JustMoney itself, but it is always a good idea to carefully review the terms of any product you accept to avoid penalties for missed payments or early settlement fees.

Pros and Cons of Using JustMoney

Here is a clear look at the main advantages and disadvantages of using JustMoney:

Customer Service

JustMoney offers customer support mainly through their online contact forms and email channels. If you have a question, you can fill out the “Contact Us” form on their website, and a representative will get back to you. There is also a dedicated email address where you can send specific queries. Although JustMoney does not operate a public call centre for general support, they make it easy for users to get assistance through digital means.

Contact Channels

Alternatives to JustMoney

There are several other platforms in South Africa that offer similar services to JustMoney. Each has its own approach to helping users compare financial products:

• Hippo.co.za: Offers comparisons for insurance, loans, hospital plans, and travel products. Known for its wide insurance focus.
• MoneyGuru: Focuses on loan and credit card comparisons with a simple application process. Offers fewer insurance options compared to JustMoney.
• Old Mutual Rewards: Offers financial education and rewards for engaging with tools. Strong link to Old Mutual’s own products rather than a broad comparison of external providers.
• CreditSmart: Focuses mainly on personal loan offers and credit-related services. Has fewer educational tools than JustMoney.

Comparison Table

Feature	JustMoney	Hippo.co.za	Arcadia FInance
Loan Comparison	Yes	Yes	Yes
Insurance Comparison	Yes	Yes	No
Credit Score Access	Yes (Free)	No	No
Educational Content	Yes	Some	Some
Free to Use	Yes	Yes	Yes
Wide Range of Partners	Yes	Yes	Yes

History and Background of JustMoney

JustMoney was founded in 2008 as part of the wider Just Group in South Africa. The company was established with the aim of helping South Africans navigate complex financial products by offering clear comparisons and free resources. Recognising that many consumers needed simple, transparent access to loans, insurance, and credit services, JustMoney built a platform that connects users with multiple reputable financial institutions in one place.

The company’s mission is to empower consumers to make better financial decisions by providing trusted information, personalised options, and free tools such as credit score monitoring. Its vision is to become South Africa’s most reliable financial comparison service, giving people the confidence and knowledge they need to take control of their financial future. Through steady growth and partnerships with leading financial brands, JustMoney continues to focus on helping South Africans build stronger financial foundations.

Conclusion

JustMoney offers a valuable platform for South Africans who want to compare financial products quickly and confidently without paying any fees. With a strong range of services covering personal loans, credit cards, insurance, savings accounts, debt solutions, and free credit score access, it gives users clear options tailored to their needs. The site is easy to use, provides real educational tools, and connects people to trusted providers across the country. While follow-up contact from partner companies can sometimes be a bit much, the overall experience remains positive for those who want more control over their financial choices. Whether you are managing debt, planning for the future, or just want to understand your credit better, JustMoney provides the tools and information needed to make smart financial decisions.

Frequently Asked Questions