We match you with trusted NCR-registered lenders in under 2 minutes. One simple form, multiple real loan offers — completely free.
350 000+ South Africans have found their loan with us — rated 4.8/5
Illustrative estimate only. Actual rates depend on the lender and your credit profile, within NCA limits.
Secure & confidential. No paperwork needed.
Based on your request, these NCR-registered lenders can help.
LoanNow.co.za is a comparison and referral service, not a lender. Final loan terms, approval and payout are determined by the individual credit provider. All partners are registered with the National Credit Regulator (NCR).
Three simple steps between you and the cash you need.
Choose your loan amount and repayment period. It takes less than 2 minutes — no paperwork, no queues.
Our smart system checks NCR-registered lenders and finds the offers most likely to approve you.
Apply directly with your chosen lender. Many pay out the same business day, straight into your bank account.
Whatever you need it for, there's a loan that fits.
R1 000 – R250 000
Flexible loans for bigger plans — home improvements, education, medical bills or a dream wedding.
See personal loans →R500 – R8 000
Short-term cash to bridge the gap until your next salary. Fast approval, same-day payout possible.
See payday loans →R500 – R10 000
Blacklisted or low credit score? Some lenders look at your full profile, not just your history.
See bad credit loans →R10 000 – R300 000
Combine several debts into one lower monthly payment and take back control of your finances.
See consolidation loans →You never pay us a cent. We earn a referral fee from lenders — it never affects your rate.
Offers in minutes, not days. Many lenders pay out the same business day.
Every partner is NCR-registered and NCA compliant. No loan sharks, ever.
POPIA compliant. We don't sell your information or run credit checks.
Work out your numbers and know your rights before you borrow.
See your monthly instalment and the true total cost of any loan, including NCA fees.
Calculate now →Find out how much you can realistically borrow based on your income and expenses.
Check affordability →The maximum interest and fees lenders may legally charge in South Africa, explained.
Read the guide →Real stories from real South Africans.
"I needed R3 000 urgently for car repairs. Filled in the form on my phone and had the money before 3pm the same day. Unbelievable!"
"As a single mom, unexpected school fees hit hard. LoanNow found me a lender with a much lower rate than my bank offered."
"I was blacklisted and thought no one would help me. Got matched with a lender who approved me in 20 minutes."
"So easy to use and completely free. I compared my offers side by side and saved over R800 in interest. Highly recommended."
Borrowing money in South Africa is regulated to protect you. Every lender we work with must follow the National Credit Act (NCA), which means:
Our partner lenders offer loans from R500 up to R250 000, depending on the loan type, your income and your credit profile. Short-term payday loans typically range from R500 to R8 000, while personal loans can go much higher.
Yes — 100% free, always. We earn a referral commission from lenders when we send them customers. This never increases your interest rate or adds any fees to your loan.
Possibly, yes. Some of our partner lenders specialise in loans for people with impaired credit records. They assess your current income and affordability rather than only your credit history. Approval is not guaranteed and rates may be higher.
Many lenders approve applications within 15 minutes and pay out the same business day. If you apply late in the day or on a weekend, payout usually happens the next business day. Exact timing depends on your bank.
Most lenders ask for: your South African ID, proof of income (latest payslip or 3 months' bank statements), and your bank account details. Everything is uploaded online — no faxing or branch visits.
Rates are set by each lender within the limits of the National Credit Act. Short-term loans are capped at 5% per month; unsecured personal loans are capped at roughly 27–29% per year (repo rate + 21%). Your exact rate depends on your credit profile and the loan term.
Completing our form does not affect your credit score — we don't run credit checks. When you apply directly with a lender, they will perform a credit check as required by the NCA.
Yes. We comply with the Protection of Personal Information Act (POPIA). Your information is encrypted, never sold, and only shared with a lender when you choose to apply with them.
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