Top Lenders in South Africa (2024)
Your guide to the best personal, business, home, and vehicle finance lenders in South Africa. Compare rates, amounts and requirements.
Personal Loan Lenders
See all →African Bank
Rate: From 12.9% p.a.
Amount: R500 – R350,000
Best for larger personal loans
Compare & ApplyFNB Personal Loan
Rate: From prime + 1%
Amount: Up to R300,000
FNB account holders get best rates
Compare & ApplyBusiness Loan Lenders
See all →Merchant Capital
Rate: Factor rate 1.18+
Amount: R10,000 – R5M
Best for card-processing businesses
Compare & ApplyHome Loan Lenders
See all →Nedbank Home Loans
Rate: Prime to prime + 2%
Amount: From R300,000
Best for first-time buyers
Compare & ApplyVehicle Finance Lenders
See all →Not sure which lender is right for you?
Tell us what you need and we'll match you with the right lenders. Free, no obligation, no credit check to compare.
How to choose a lender in South Africa
When comparing lenders, don't look only at the headline interest rate. The total cost of credit includes initiation fees, monthly service fees, credit life insurance and any other charges. Under the NCA, lenders must disclose the total cost as a Rand amount before you sign.
Always verify that a lender is registered with the National Credit Regulator (NCR). You can check registration at nca.org.za. Unregistered lenders are illegal and should be avoided.
Finance EzyFind only works with NCR-registered credit providers. All rates shown are indicative — your actual rate will depend on your credit profile and the lender's assessment.
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