Looking for a personal loan, or want to combine your existing debt into one payment?

Kreditoversigten helps you compare personal loans from NCR-registered credit providers in South Africa. Free and non-binding — every loan is subject to an affordability assessment.

  • Compare offers from more than one credit provider
  • Free and non-binding
  • We are a comparison service, not a registered credit provider ourselves

Get loan offers

Free and non-binding. We are not a lender — we introduce you to credit providers and are paid a commission.

How it works

  1. 1

    Compare loans

    See the interest rate, loan amount and term for each credit provider side by side.

  2. 2

    Choose your loan

    Pick the credit provider that fits your needs and your budget.

  3. 3

    Apply

    Apply directly with the credit provider — free and with no obligation, subject to an affordability assessment.

Kreditoversigten helps you get an overview of the South African personal loan market. We compare NCR-registered credit providers side by side so you can see loan amounts, interest rates and repayment terms in one place before you apply — free and non-binding.

See the comparison

How personal loans work in South Africa

A personal loan is usually unsecured credit: the credit provider does not take a claim over your car or property, and instead bases its decision on your income, expenses and credit record. Loan amounts on the market typically range from around R1,000 to R250,000, with terms from a few months up to several years, though the exact range differs by provider.

Because pricing is risk-based, interest rates differ between applicants and providers, and are capped by the maximum rates set under the National Credit Act. Any example rate or cost we show is illustrative only — the actual quote you receive will depend on your own credit assessment.

What credit providers check before they say yes

Before making an offer, a registered credit provider is legally required to carry out an affordability assessment under the National Credit Act — checking your income, expenses and existing debt commitments — and a credit check with a registered credit bureau such as TransUnion, Experian or Compuscan. This protects you: taking on credit you cannot comfortably repay can lead to serious financial difficulty.

We do not list, and will never list, providers who advertise "guaranteed loans", "no credit check" loans, or loans for "blacklisted" consumers with no assessment. Any credit provider genuinely lending money in South Africa must be NCR-registered and must assess affordability.

Comparing before you apply

Applying with several credit providers one after another can result in multiple credit checks on your record in a short space of time. Comparing the interest rate, initiation fee, monthly service fee and total repayment amount across a few providers first puts you in a much better position to choose an offer that genuinely fits your budget.

Debt consolidation

If you're managing several store accounts, credit cards or existing loans, a debt consolidation loan can combine them into a single monthly instalment, sometimes at a better overall rate. Whether it actually saves you money depends on the new interest rate, the term you choose, and any settlement or early termination costs on your existing accounts — always compare the total cost, not just the monthly instalment.

Struggling with debt already?

If you're battling to keep up with payments, free guidance is available from the National Credit Regulator and from registered debt counsellors — you do not need to take on further credit to get help. Debt review, administered under the National Credit Act, can also offer protection while you restructure existing debt.

About Kreditoversigten

Kreditoversigten is a marketing and comparison service. We are not a registered credit provider ourselves; the lenders listed on this site are NCR-registered credit providers. When you click through to a provider or submit an enquiry, we may receive a commission — this never changes the rate or amount you're offered, and using our comparison is always free.

Frequently asked questions

Can anyone qualify for a personal loan in South Africa?

Most credit providers require you to be at least 18, a South African resident with a valid ID or permit, and to have a regular income. Every application is subject to a credit check and an affordability assessment as required by the National Credit Act 34 of 2005 — approval and terms are never guaranteed.

What does "NCR-registered" mean?

The National Credit Regulator (NCR) regulates and registers credit providers in South Africa. A registered credit provider must follow the National Credit Act's rules on affordability assessment, disclosure and responsible lending. You can check a provider's registration status on the NCR website before you apply.

Will comparing loans affect my credit record?

Simply comparing lenders on this site does not affect your credit record. A full application usually triggers a credit check with a bureau such as TransUnion, Experian or Compuscan, which is recorded on your credit profile.

Is there such a thing as guaranteed approval, or loans for blacklisted consumers?

No. Under the National Credit Act, a registered credit provider must assess your ability to repay before granting credit — nobody can lawfully guarantee approval upfront, and there is no such thing as an official "blacklist" that a provider can simply bypass. Be cautious of any site claiming otherwise.

What if I already have debt review or missed payments on my credit record?

Some credit providers cater for consumers with a thinner or higher-risk credit profile, usually at a higher interest rate to reflect that risk. If you are already under debt review, most credit providers will not extend further credit until the debt review is completed or the necessary clearance is issued.

Who regulates the credit providers listed on this site?

Consumer credit in South Africa is regulated by the National Credit Regulator (NCR) under the National Credit Act 34 of 2005. Any credit provider you apply with should be NCR-registered — you can verify this yourself on the NCR's website before applying.