Compare loans and business funding in South Africa — fast, simple, secure

Get matched with trusted lenders for urgent personal cash or SME funding in minutes. Compare the fit first, then apply on the lender’s secure website.

Compare loan options Check business funding
Short-term loans up to R8,000 and business funding from R50K – R5M for qualifying businesses.
Need short-term cash? Start with the top picks
🔒 Secure redirect to lender sites
🧾 Transparent partner disclosure
⚡ Compare in under 60 seconds
🇿🇦 Built for South Africa
We partner with licensed South African lenders.
Important disclosure

PrimeCompare is a comparison platform and not a lender. We connect users with third-party South African lenders and funding providers. Loan approval, affordability assessments, credit checks, interest rates, fees and repayment terms are determined by the lender and your profile. PrimeCompare may earn a referral commission from selected partners at no extra cost to you. Please review the lender’s full terms before applying and borrow responsibly. Read full disclosure.

Short-term loan options

Need cash urgently? Start with these trusted short-term lenders first.

Funded payout

Wonga

Best for quick online personal loan applications
  • Get cash up to R8,000 fast
  • Fast online application
  • Ideal for urgent cash needs
Best use case: Users who want to apply directly with a single short-term lender instead of a comparison route.
Before you apply: Check total repayment, fees and due dates carefully on the lender site.
Check your eligibility

🔒 Direct lender application · No upfront fees should ever be requested before payout · Approval subject to lender checks.

💡 Good fit if you already know you want a direct lender path instead of comparing multiple providers.

Fast approval

Lime Loans

Best for quick personal cash
Provided by Century Financial Services
  • Get fast cash up to R8,000
  • Quick online application
  • Fast approval decisions
Typical requirements: SA ID, active SA bank account, proof of income and recent bank statements.
What to expect: You apply on the lender’s site and receive a decision based on their checks.
Check your eligibility

🔒 We compare regulated lenders (NCR-registered) · No upfront fees · Approval subject to checks. Verify NCR

🔒 Regulated SA lender · No upfront fees · Approval subject to lender terms.

Flexible option

FASTA Loans

Best for fast short-term applications
  • Short-term loans up to R8,000
  • Simple online process
  • No obligation to accept
Typical requirements: SA ID, active SA bank account, proof of income and recent bank statements.
Safety check: Review total repayment, fees and due dates before submitting.
Check your eligibility

🔒 We compare regulated lenders (NCR-registered) · No upfront fees · Approval subject to checks. Verify NCR

🔒 Regulated SA lender · No upfront fees · Approval subject to lender terms.

Compare multiple lenders

UApply Loans

Best for broader loan matching from R500 to R500,000
  • One application path for multiple lender options
  • Works for smaller personal loans and larger funding needs
  • Useful if you want to compare instead of applying blind
Loan range shown: R500 to R500,000 based on the UApply flow you shared.
Best use case: Users who want more than one possible lender path before choosing.
Compare lenders

🔒 Comparison-style application path · Multiple lender matching angle · Approval subject to partner checks.

Or apply directly with a single lender below if you already know what you want.

Best for urgent personal cashStart with Wonga, Lime Loans or FASTA if you need a smaller amount and a fast online application.
Best for comparing optionsUse UApply if you want a comparison-style route before choosing a single lender.
Business funding sits belowMerchant Capital and FundingHub are grouped separately below because they suit SMEs better than short-term personal cash.
Before you apply
PrimeCompare is a comparison site — not a lender. When you click “Apply”, you’ll be redirected to the provider’s secure website. We may earn a commission from partners at no extra cost to you. Always read the lender’s fees, repayment terms and eligibility criteria.
  • No upfront fees: Legit lenders won’t ask for a “release fee” before paying out.
  • Borrow responsibly: Only apply if you can afford repayments.
  • Privacy: We don’t collect bank login details on PrimeCompare.
Read more: Disclosure · Disclaimer
⭐ Featured Funding Partner 🏪 Built for SMEs 🔒 Secure Apply

Merchant Capital business funding in South Africa — working capital that adapts to your sales

Access working capital for stock, growth, or cash‑flow gaps. Repay through a percentage of daily card sales — no fixed monthly instalments. Subject to approval and affordability checks.

💳 Repay via card sales %
💰 Funding up to R5M
⚡ Potential fast payout
🧾 No upfront fees
View details & requirements → Apply on Merchant Capital →
You’ll be redirected to Merchant Capital’s secure application portal.

More business funding options

If Merchant Capital is not the right fit, compare this secondary business funding option for South African SMEs.

Business Funding

FundingHub (Business Funding)

Best for SME funding enquiries
  • Funding solutions for South African SMEs
  • Tracked application via PrimeCompare referral link
  • Typical requirements: trading 6+ months, min annual revenue R500,000

If your business doesn’t meet the criteria, the application may be declined — you can reapply once eligible.

Check business funding

Disclosure: PrimeCompare may earn a referral commission if an application is approved.

Choose the right path first

Not every lender fits every need. Start by choosing the option that matches why you need money — this helps users compare faster and click the right partner the first time.

Personal cash

Short-term loans

Best for urgent everyday needs when you need a fast, smaller personal loan solution.

  • Quick online application
  • Smaller amounts
  • Fast lender decision flow
Compare personal lenders →
Business growth

Business funding

Best for stock, cash flow, equipment, or expansion if you run an established SME.

  • Higher funding ranges
  • Business-focused criteria
  • Better for growth than personal credit
View funding option →
Card machine sales

Merchant cash advance

Best for businesses with card turnover that want repayments linked to daily sales instead of fixed monthly instalments.

  • Repay via card sales %
  • Flexible cash-flow friendly model
  • Good for retail and hospitality
Check eligibility →
Need guidance

Not sure what to choose?

Use PrimeCompare like a guide: compare by speed, funding type, and what you need the money for before applying.

  • Match need to lender
  • Reduce wasted applications
  • Choose with more confidence
See how it works →

How to choose the right option

People convert better when the decision is simple. Use this quick flow before clicking apply.

1

Choose your need

Personal cash, business funding, or merchant cash advance.

2

Compare the fit

Look at speed, paperwork, amount, and whether the lender suits personal or business use.

3

Apply on the lender site

PrimeCompare sends you to the provider’s secure site to complete the application.

⚠ Avoid loan scams (quick safety check)

PrimeCompare is a comparison site. We’ll only redirect you to partner lenders’ official websites — but scams exist online. Use these red flags to stay safe.

  • No upfront fees: Be cautious of anyone asking for a “release fee” or deposit before payout.
  • Protect your banking: Never share OTPs, PINs, or full online-banking passwords.
  • Official channels only: Avoid WhatsApp-only “agents” requesting payments or personal documents.
  • Read the full costs: Confirm total repayment, fees, and due dates before you submit.
Helpful links: Disclosure · Disclaimer

How it works

PrimeCompare helps users narrow the choice before they click. Compare the category, choose the best-fit provider, then continue on the lender’s secure application page. Always review the lender’s terms, costs and eligibility before submitting any information.

1) Compare
Pick the option that fits your needs.
2) Apply
You’ll be redirected to the lender’s site.
3) Get a decision
Approval & terms are set by the lender.

Contact

Need help or want business funding? Email our funding desk and we’ll get back to you.

businessfunding@primecompare.co.za Business hours: Mon–Fri

Frequently asked questions

Clear answers to common questions — so you can compare and apply with confidence.

No. PrimeCompare is a comparison platform. We link you to partner lenders’ official sites where you can apply directly.
Yes. We may earn a commission from partners at no extra cost to you. You always review the lender’s fees and total repayment before submitting.
Browsing and comparing on PrimeCompare does not affect your credit score. Lenders may perform their own checks during the application process.
Usually a South African ID, an active SA bank account, proof of income, and recent bank statements. Requirements vary by lender.
It depends on the lender and your profile. Many providers aim for fast decisions, but timing is not guaranteed and terms are set by the lender.
🔒 Secure & private
⚡ Fast decisions
🇿🇦 South African partners

Business Funding South Africa

PrimeCompare connects South African businesses to leading funding providers including Merchant Capital. Access funding from R50,000 up to R5 Million based on your card turnover and business performance.