Online loans, compared in one place
- Comparing is free and no-obligation
- One form – 10+ verified lenders
- Comparing won't affect your score
*Comparing does not create a credit bureau enquiry. Only the lender you choose runs its own affordability and credit check.
Representative example: loan amount R5 000 over 3 months, interest 5% per month, initiation fee R565 + VAT (R649,75), monthly service fee R69 incl. VAT, interest R383, total repayable R6 239,75 in 3 monthly instalments of R2 079,92. Calculated on 22.09.2026. Finmart is not a credit provider and does not grant credit. We pass your application to registered credit providers and are paid a fee for it.
*Comparing does not create a credit bureau enquiry. Only the lender you choose runs its own affordability and credit check.
Representative example: loan amount R5 000 over 3 months, interest 5% per month, initiation fee R565 + VAT (R649,75), monthly service fee R69 incl. VAT, interest R383, total repayable R6 239,75 in 3 monthly instalments of R2 079,92. Calculated on 22.09.2026. Finmart is not a credit provider and does not grant credit. We pass your application to registered credit providers and are paid a fee for it.
Top loan offers this month
Offers checked by our editorial team.
How we select offers
Every offer goes through the same review before it appears on Finmart. These four criteria decide its placement.
Total cost of credit
We look at the interest rate together with the initiation fee, monthly service fee and insurance, not only the advertised rate.
Registration and compliance
We only list credit providers registered with the National Credit Regulator.
Transparency
Lenders that publish their fees and a representative example rank higher than those that do not.
Payout speed
How quickly the money actually reaches your bank account after approval.
How we make money
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Why South Africans compare loans with Finmart
Find your ideal loan
Our editorial team
Frequently asked questions
Does it cost anything to compare loans on Finmart?
No. Comparing is free and with no obligation. Finmart is not a credit provider and does not grant loans — we show you our partners’ offers and forward you to them if you are interested.
Will comparing loans affect my credit score?
No. Browsing and comparing offers on Finmart does not create a credit enquiry. A lender checks your credit record only when you submit an application to that lender.
How do I know a lender is legitimate?
Check that the lender shows an NCR registration number (it starts with NCRCP) and that the number appears on the National Credit Regulator’s register. A legitimate lender gives you a written quote before you sign and never asks for an upfront fee.
How much can I borrow?
Short-term lenders typically offer R500 to R8,000, repayable within a few days to 6 months. Personal loans and loan matching services go up to R250,000–R350,000 over as long as 72 months, depending on your income and credit record.
What do I need to apply?
Usually a valid South African ID, 3 months of bank statements showing your salary, a bank account in your name and a cell phone number. Some lenders verify your income directly through your online banking instead of asking for documents.
How are the offers ranked?
By default, by our editorial rating and user demand. You can change the order yourself, for example by interest rate. Where a placement is based on a partnership, we say so.