Compare Loans in South Africa
Need cash fast or a larger personal loan? Compare instant, short-term and personal loan offers from NCR-registered lenders and comparison partners in one place — then apply securely on the lender's own site. PrimeCompare is not a lender.
PrimeCompare is a comparison platform and not a lender. We connect users with licensed South African lenders and comparison partners. Loan approval, interest rates, fees and repayment terms are determined by the respective lender and your credit profile. Loan amounts vary by provider — some short-term offers start from R500, while comparison-style services such as UApply can match larger loans up to R250,000+. Repayment periods differ by lender. Always review the lender's full terms and the total cost of credit before applying.
Top loan offers to compare in 2026
Each option below links to the provider's own application. Review loan ranges, terms and total repayment before you commit.
| Provider | Loan Range | Term | Best For | |
|---|---|---|---|---|
| Lime Loans | R500 – R8,000 | Short-term | Quick personal cash | Check eligibility |
| Wonga | R500 – R8,000 | Short-term | Urgent smaller amounts | Check eligibility |
| FASTA | From R500 | Short-term | Fast online applications | Check eligibility |
| UApply | R500 – R250,000+ | Varies by lender | Comparing multiple lenders | Compare lenders |
Tip: On mobile, swipe the table left/right to see all columns.
The lenders in more detail
Who each provider suits, and what to check before applying.
Lime Loans
- Quick online application
- Short-term personal loan up to R8,000
- Provided by Century Financial Services
Read our Lime Loans review first.
Wonga
- Established SA short-term lender
- Fast online application
- Good for direct applications up to R8,000
Read our Wonga review first.
FASTA Loans
- Simple online application
- Fast short-term loan option
- No obligation to accept an offer
Read our Fasta review first.
UApply
- Comparison-style loan matching
- Multiple lender options in one place
- Useful for larger personal loans
Read our UApply review first.
Browse loans by type
Find the right loan for your situation. Each guide compares the best options and explains the requirements.
Instant loans
Fast online cash, paid out quickly once approved.
Same-day loans
Apply and receive funds within the same business day.
Urgent cash loans
For emergencies when you need money right now.
Short-term loans
Small amounts repaid over a short period.
No credit check loans
What "no credit check" really means in SA — and the honest options.
Loans for blacklisted
Options if you have adverse credit or a low score.
SASSA loans
Credit options for SASSA grant recipients.
Loans up to R8,000
Compare lenders offering up to R8,000.
Low credit score loans
Lenders that look beyond your score alone.
Struggling with repayments? Consider debt consolidation
If you are juggling several loans or store accounts, a single consolidated repayment can lower your monthly burden and reduce the stress of multiple due dates. Debt consolidation and debt counselling are regulated under the National Credit Act and can protect you from legal action while you repay. See our debt consolidation guide to understand your options and whether it is the right move.
How to choose the right loan
- Borrow only what you need. A smaller loan repaid on time costs far less and is easier to manage.
- Compare the total cost of credit, not just the monthly instalment — include initiation and service fees.
- Check the term. A longer term lowers monthly payments but increases total interest paid.
- Have your documents ready — SA ID, recent payslips or three months' bank statements speed up approval.
- Avoid "guaranteed approval, no checks" offers. Registered lenders must legally assess your affordability.
Frequently asked questions
What is the easiest loan to get in South Africa?
Short-term and instant online loans from lenders like Lime, Wonga and Fasta are usually quickest, thanks to automated affordability checks and fast payout. Comparison platforms like UApply can match you to several lenders at once. Approval still depends on income, affordability and your credit profile under the National Credit Act.
How much can I borrow with a personal loan?
Short-term lenders typically offer up to about R8,000, while comparison services like UApply can route you to lenders offering R250,000 or more for larger personal loans, subject to affordability checks.
Can I get a loan with bad credit?
Possibly. Some lenders weigh current affordability over history. Comparison platforms can match you to lenders more likely to consider your profile. Be wary of anyone promising guaranteed approval with no checks.
Is PrimeCompare a lender?
No — we are a comparison platform. We list offers from NCR-registered lenders and partners; approval and terms are set by the lender.