Compare Loans South Africa 2026
Side-by-side comparison of 21 NCR-registered lenders. Sort by APR, amount, and payout speed.
| Lender | Rating | Amount | APR | Payout | |
|---|---|---|---|---|---|
 Capitec Bank bank | ★ 2.4 | R 1 000 – R 250 000 | 11.75% – 27.5% | 2 days | Details → |
 FNB bank | ★ 2.3 | R 3 000 – R 250 000 | 15.5% – 28% | 2 days | Details → |
 Standard Bank bank | ★ 2.3 | R 2 000 – R 300 000 | 14% – 28% | 2 days | Details → |
 | ★ 2.3 | R 10 000 – R 300 000 | 13.5% – 26% | 2 days | Details → |
 African Bank bank | ★ 2.3 | R 1 000 – R 350 000 | 16% – 35% | 2 days | Details → |
 Nedbank bank | ★ 2.3 | R 5 000 – R 250 000 | 15% – 28% | 2 days | Details → |
 Absa bank | ★ 2.3 | R 3 000 – R 250 000 | 14.5% – 28% | 2 days | Details → |
 | ★ 2.3 | R 5 000 – R 150 000 | 18% – 28% | 24 hours | Details → |
 | ★ 2.2 | R 1 000 – R 15 000 | 22.8% – 35% | 24 hours | Details → |
 Sanlam bank | ★ 2.2 | R 10 000 – R 200 000 | 13% – 26% | 2 days | Details → |
 Old Mutual bank | ★ 2.2 | R 10 000 – R 250 000 | 14% – 27% | 2 days | Details → |
 | ★ 2.2 | R 500 – R 50 000 | 19% – 35% | 1 hour | Details → |
 | ★ 2.1 | R 500 – R 8 000 | 25.5% – 38% | 1 hour | Details → |
 | ★ 2.1 | R 1 000 – R 100 000 | 16% – 35% | 2 hours | Details → |
 | ★ 2.1 | R 500 – R 4 000 | 28.5% – 42% | 30 min | Details → |
 Bayport payroll lender | ★ 2.1 | R 500 – R 150 000 | 24% – 60% | 24 hours | Details → |
 | ★ 2.0 | R 500 – R 10 000 | 28% – 40% | 1 hour | Details → |
 RCS microfinance | ★ 2.0 | R 500 – R 30 000 | 22% – 48% | 2 hours | Details → |
 | ★ 2.0 | R 500 – R 10 000 | 30% – 60% | 1 hour | Details → |
 | ★ 1.9 | R 500 – R 8 000 | 45% – 60% | 2 hours | Details → |
 | ★ 1.8 | R 500 – R 8 000 | 50% – 60% | 30 min | Details → |
How to Use This Comparison
1. Check APR
APR is the true cost indicator — it includes all fees and charges.
2. Verify NCR registration
Only borrow from NCR-registered lenders for consumer protection.
3. Compare total cost
Don't just look at monthly payments — compare total repayment amounts.
4. Borrow responsibly
Only borrow what you can comfortably repay to avoid debt traps.
FAQ
How do I compare loans in South Africa? ▼
Compare the APR (Annual Percentage Rate), which includes all costs. Use our table to sort by APR, loan amount, and approval speed.
Are all lenders NCR-registered? ▼
Yes, all lenders in our comparison are registered with the National Credit Regulator (NCR) as required by the National Credit Act.
What loan amounts are available? ▼
From R500 to R250,000 depending on the lender. Short-term: R500-R8,000, personal loans: R2,000-R250,000.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000
- Czech Republic: ČNB (Česká národní banka) - 224 411 111