We’re a free loan-finder service. We connect you with South Africa’s accredited lenders, compare offers, and hand you the best deal. You stay in control at every step.
From your first click to cash in your account — here’s exactly what happens.
Complete our quick online form with your basic personal and financial details. Choose the loan amount you need. No documents to upload, no branch visits — everything happens on your phone or computer. Your information is secured with bank-level encryption.
⚡ About 5 minutesYour application is submitted to the accredited lenders in our panel who best fit your profile. They compete for your application, which means you’ll often receive multiple offers. You’re under no obligation to accept any of them.
⚡ Usually within the hourReview the offers, pick the one that suits you best, and accept directly with your chosen lender. Once you sign, they transfer the funds straight to your South African bank account — often the same day.
⚡ Same-day payout possibleA few things worth knowing before you apply.
We’re paid a small commission by lenders when they successfully match with a customer. It works like a marketing cost for them. You’ll never receive a bill from 247 Loans, and our fee to lenders never affects the rate you’re offered.
No. Submitting your application through 247 Loans has no effect on your credit score. Only the specific lender you choose to accept an offer from may conduct a full affordability check, which is standard for any credit agreement in South Africa.
Our lender panel offers loans from R1,000 to R250,000, with repayment terms from 6 to 60 months. The amount you’ll actually be offered depends on your income, credit profile and each lender’s criteria.
Most applicants hear back from at least one lender within the hour. For applications submitted late at night, expect to be contacted the next business morning. We’ll always let you know what to expect and keep you informed by SMS and email.
Getting a cash loan with us is designed to be as straightforward as possible. Here’s everything you need.
Start your free application in under 5 minutes — no documents needed, no credit check to apply.