31 March 2025
Declined by Your Bank? Get a Loan from an Online Lender
Your loan application has just been rejected—what should you do next? Before making any immediate decisions, take a step back and evaluate the situation carefully. ...
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Loans
Learn everything about loans in one place. Discover types of loans, compare rates, and get tips to secure the best loan for your financial needs.
27 March 2025
Online Lenders vs. Traditional Banks to Get a Loan
Personal loans offer a practical solution for covering various financial needs, such as merging outstanding credit card balances, funding home improvements, or making significant purchases. ...
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25 March 2025
Don’t Get Scammed on WhatsApp – Get a Loan Online Without Upfront Fees
WhatsApp loan scams are on the rise in South Africa, targeting people who need quick cash. Scammers pretend to be legitimate lenders, offering easy approval ...
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31 March 2025
Borrowing Costs Money – Compare Before You Borrow
Borrowing money can offer immediate relief or help fund important life goals, but it’s never free—every loan comes with its own costs. While interest rates ...
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23 March 2025
Borrow Money Against Your Car: Is It the Right Choice for You?
Using your vehicle as collateral for a loan has become a straightforward way to access funds quickly. Many individuals consider this option, but a poor ...
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23 March 2025
Mashonisa on WhatsApp: Easy Money or Dangerous Debt?
Mashonisas, or informal lenders, play a significant role in South Africa’s lending market, particularly in low-income areas where access to formal credit is limited. With ...
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9 March 2025
Lower Rates, Better Deals: Why March 2025 Favours South African Borrowers
As South Africa moves through 2025, interest rates are a key factor for anyone planning to take out a loan. With economic conditions steadying and ...
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9 March 2025
Why February Is the Ideal Time to Take Out Your Loan
Interest rates in South Africa fluctuate throughout the year, influenced by economic conditions, inflation, and decisions made by the South African Reserve Bank (SARB). For ...
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3 February 2025
Can I Apply for a Loan While Receiving a SASSA Grant?
Receiving a SASSA grant offers crucial financial assistance to individuals in need, yet it may not always be sufficient to handle unforeseen costs or emergencies. ...
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7 February 2025
Which Bank is Best for Personal Loans in South Africa
Selecting an appropriate loan provider is crucial for ensuring financial stability, whether your aim is to manage debt, achieve a personal milestone, or expand your ...
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12 February 2025
Can You Pay More on Your Personal Loan or Car Payment?
Making additional contributions towards your personal loan or car repayments each month can offer substantial financial benefits. This approach may help reduce the total interest ...
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9 March 2025
How Much Loan Do I Qualify for with My Salary?
When considering a loan, understanding how much you qualify for based on your salary is essential for making informed decisions. Whether you’re planning to buy ...
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2 March 2025
How Quickly Can You Get Personal Loan?
Unexpected circumstances arise in everyone’s life. Perhaps a family emergency required you to borrow money at high interest rates to address urgent needs. However, you ...
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26 January 2025
What to Know When Applying for a Personal Loan
A personal loan is a practical way to access funds for significant expenses beyond your immediate budget. It can also simplify finances by consolidating multiple ...
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12 February 2025
Can I Use a Personal Loan to Buy a Car?
If you are unable to purchase a vehicle outright with cash, you are likely among the majority of buyers who require financing to make the ...
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12 February 2025
What Can a Personal Loan Be Used For?
A personal loan provides a flexible financing option that can be utilised for various needs, such as covering unforeseen expenses, making significant purchases, or consolidating ...
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8 February 2025
How Old Do You Have to Be to Get a Personal Loan
A personal loan serves as a practical financial solution, offering access to credit for larger expenses that may be difficult to cover immediately. It can ...
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12 February 2025
Can You Get a Loan Without Bank Account?
Having access to a bank account is often considered a prerequisite for securing a loan, as it provides lenders with a way to assess your ...
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12 February 2025
Typical Personal Loan Requirements: Are You Eligible?
A personal loan serves as a practical financial solution, offering access to funds that enable you to cover significant expenses that may be challenging to ...
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12 February 2025
How Long Does a Loan Take to Approve?
Applying for a loan can be an exciting yet nerve-wracking experience, especially when you’re unsure how long it will take to get approved. Whether you’re ...
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8 February 2025
Pros And Cons Of Personal Loans
Personal loans have gained popularity as a financing choice for individuals needing to cover various expenses, from debt consolidation to large purchases. Unlike credit cards, ...
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13 February 2025
When to Refinance a Loan?
Refinancing a personal loan allows you to replace your existing loan with a new one, often at a lower interest rate and with reduced monthly ...
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10 February 2025
How To Get Approved For A Personal Loan? 9 Ways
Securing a personal loan can be a valuable option for South Africans looking to cover urgent expenses or finance essential purchases. Whether it’s for home ...
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13 February 2025
Behind On Loan Payments? 7 Ways To Catch Up
A missed payment sends a significant warning to both credit bureaus and lenders, often indicating that you may be facing financial difficulties. This alert can ...
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8 February 2025
8 Things Not to Use a Personal Loan For
Personal loans can be a useful financial tool for consolidating high-interest debts, funding home improvements, or achieving other goals. However, while they offer fixed payments ...
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8 February 2025
What is the Minimum Credit Score for a Personal Loan?
When considering a personal loan, understanding your credit score’s impact on eligibility and loan terms is crucial. Personal loans can provide quick access to funds ...
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13 February 2025
What is the Principal of a Loan?
When you make loan payments, a portion goes towards reducing the principal, while the rest covers interest and other charges. But how exactly does the ...
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8 February 2025
What are the Main Advantages of an Unsecured Loan?
An unsecured loan provides a flexible and accessible way to borrow money without needing to offer assets like property or a car as collateral. Ideal ...
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13 February 2025
How to Compare Loan Offers from Different Lenders
When considering a loan in South Africa, comparing offers is essential to finding the best deal that suits your budget and financial needs. This process ...
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8 February 2025
Easiest Personal Loans to Get in South Africa
Finding the right personal loan in South Africa can be challenging, particularly if you’re looking for options that are easy to qualify for. Whether you ...
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8 February 2025
How Does a Loan Application Work and What to Look Out For?
If you need to consolidate credit card balances, manage unexpected medical expenses, or finance significant life events such as a wedding, a personal loan can ...
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13 February 2025
Monthly Loan Instalments: How Does it Work?
When considering financial products like loans, understanding repayment structures, particularly monthly instalments, is vital. Whether you’re taking out a short-term loan for an emergency or ...
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12 February 2025
How Many Months Do You Have to Work for a Personal Loan?
Personal loans are a common solution for individuals in South Africa seeking to cover unexpected expenses, consolidate debt, or finance major purchases. However, not everyone ...
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12 February 2025
Loan Conditions: Reading The Small Print
Loan terms outline the specific conditions and agreements that apply when obtaining a loan. These generally cover the repayment period, interest rate, any fees, penalties ...
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12 February 2025
What is a Credit-Builder Loan?
A credit-builder loan involves making regular, fixed payments into a designated savings account over a set period. Once the loan term ends, the lender returns ...
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12 February 2025
What Salary Do You Have to Have For a R50 000 Amount of Loan?
Taking out a loan can be useful for covering large expenses, but not everyone qualifies for the same loan amount. If you’re considering applying for ...
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8 February 2025
Credit Card vs. Personal Loan in South Africa
In certain situations, you might need additional funds to cover an unexpected emergency, finance a significant expense, or manage finances for a period. In these ...
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3 March 2025
Facts About Loans
Loans are a vital financial tool for achieving various goals, whether it’s buying a home, funding education, or expanding a business. They come in different ...
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12 February 2025
Credit Bureaus in South Africa
Credit bureaus are crucial to South Africa’s financial system, serving as custodians of credit information for both individuals and businesses. By collecting, storing, and reporting ...
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14 August 2024
What is Loan Disbursement?
Loan disbursement is a crucial phase in the borrowing process, where the lender releases the agreed-upon funds to the borrower. This stage marks the activation ...
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16 February 2025
Need a Loan to Pay All My Debts
Struggling with overwhelming debt can be a daunting experience, leaving you feeling trapped and uncertain about your financial future. One potential solution to manage and ...
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9 March 2025
What is an Overdraft Loan?
With an overdraft loan, banks give customers the flexibility to access extra funds beyond their available balance, helping to manage financial shortfalls. This short-term credit ...
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8 February 2025
Peer-to-Peer Lending in South Africa
Peer-to-peer lending, often abbreviated as P2P lending, presents a revolutionary approach to borrowing and investing, circumventing traditional financial intermediaries such as banks. This groundbreaking financial ...
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8 February 2025
Pre-Qualified vs. Pre-Approved: What’s the Difference?
Understanding the distinction between being pre-qualified and pre-approved is important in various financial contexts, beyond just mortgages. Whether you’re seeking a credit card, a personal ...
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8 February 2025
Best Loans for Sassa Pensioners in 2024
South African Social Security Agency (SASSA) pensioners are elderly citizens who receive a monthly pension from the government to support their daily needs. Pensioners often ...
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8 February 2025
Startup Loans in South Africa
Starting a business is never easy, especially when it comes to securing the necessary funding. In South Africa, where the entrepreneurial spirit is strong, many ...
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10 February 2025
List of the Best Loan Providers in South Africa in 2024
When it comes to loan providers, companies can host and offer a wide range of financial solutions to their clients. So which is the best ...
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26 January 2025
How do Interest Rates Affect Your Loan?
An interest rate is the amount that borrowers pay for the privilege of using someone else’s money, typically expressed as a percentage of the amount ...
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8 February 2025
Plan Your Dream Wedding with a Wedding Loan
A wedding loan is a financial product designed specifically to help couples cover the expenses of their big day. As weddings can be a significant ...
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8 February 2025
Why are Loan Interest Rates Going Up?
Interest rates play a vital role in the lending industry, determining the cost of borrowing for individuals and businesses. While interest rates can fluctuate, it’s ...
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12 July 2024
What is a revolving loan?
Selecting the ideal credit solution depends on your requirements from the credit facility. Among the available choices, a revolving loan stands out for its adaptability, ...
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8 February 2025
Is Debt Consolidation A Good Idea?
Navigating the complex terrain of credit cards, student loans, and auto loans can be quite daunting, particularly when juggling multiple payments and outstanding balances. Consolidating ...
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8 February 2025
Top 5 benefits of a personal loan
Looking for a fast cash solution? A personal loan can offer quick access to cash without the steep interest rates often associated with credit cards, ...
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8 February 2025
Are you drowning in debts? Loan consolidation could be the answer
Do you have multiple loan repayments that you cannot manage? Do you have several loans that leave you with little to no money at the ...
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