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Information about lenders

Loans online can be a good and quick solution if you need additional funds. Compare lenders, apply for a loan and get money in your bank account!

General Terms and Conditions for the Borrower

Requirements for the borrower:

Terms of receiving a loan:

Annual Percentage Rate (APR)

The annual percentage rate of charge is the total cost of the credit, which usually includes the interest rate, the fee and other charges for the year, or other similar rate calculated in accordance with local law, expressed as a percentage. The annual percentage rate calculation does not include the costs of defaulting on the credit agreement.

Penalty or renewal policy information

If the loan is not repaid on time, the lender may charge a penalty of the total amount for each day of delay. In the event of late repayment without the agreement of the lender, the lender may unilaterally transfer the debt collection to third party companies.

Repaying the loan on time creates a good credit score that increases your chances of getting a better loan in the future.

Borrow responsibly

Loan online will be suited for you if

Loan online will not be suited for you if

Borrow responsibly when evaluating repayment options. Before borrowing, read the terms and conditions of your credit agreement to make sure you can meet them.

Quick loans are one of the most popular types of loans on the Internet. They gained their popularity by offering quick borrowings in an average of 15 to 30 minutes. When borrowing for the first time, quick loans offer a discount on commissions. As market demand changes, non-bank lenders also offer loans with long-term repayment options.
Most of the quick loans are offered by non-bank lenders. You can apply for a loan using a device with an internet connection. Quick loan is provided to deal with unforeseen and urgent situations. Loan amount depends on the lender’s conditions, more information on each lender’s website. Lenders assess the solvency of each client individually, so the first loan may have a limited amount of cash.
Online loan means: borrowing money is easy. On average, a loan can be applied over the internet in 15 to 60 minutes. Applying for a loan online requires an internet connection, a mobile phone and an active bank account. Applying for a loan is possible by filling out an online application. In the event of a positive answer, the amount will be deposited in your bank account.
A personal loan is a loan that can be obtained, on average, in one day. You can apply for a loan using a device with an internet connection. Personal loan is intended to deal with unforeseen and urgent situations. The size of loan amount depends on the lender's conditions, more information is available on each lender's website. Lenders assess the solvency of each client individually, so a loan may have a limited amount of cash.
A personal loan can be obtained within one day, and the loan can be repaid in months. Applying for a consumer loan requires a device with an internet connection, a mobile phone number and an active bank account. You can apply for a loan by filling out an online application.
A jobless loan is a loan issued to people without a job, such as an unemployed person receiving unemployment benefit. Currently, fewer lenders are offering loans to people without a job.
Loans over the age of 18 are granted to persons over the age of 18. However, most lenders on the Internet offer loans to persons over the age of 19-20.

When choosing a lender online, pay attention to:

  • loan amount;
  • repayment term;
  • annual percentage rate;
  • age limit of the borrower;
  • lender’s working hours;
  • the length of the money transfer;
  • penalty percentage.

Most lenders offering cash loans on the Internet have requirements for loans:

  • have SA ID number;
  • must be 18 years of age or older;
  • have a bank account;
  • have a valid phone number;
  • do not have overdue loan payments or debt.
Yes, there can be multiple active loans at the same time.
You need a SA ID number to get a loan. See the lender’s website for more information.
DebiCheck is a new type of debit order that requires you to confirm your debit order with your bank when entering into a contract with a service or credit provider.
Most money transfers are made during the lender's business hours. Fast loans offer you an average of 15 minutes if the lender and the borrower have a bank account in a matching bank. If you have a bank account within another bank, you can get the money you need up to 1-3 days after the application is processed.
Yes. You can borrow, unless you are late on your loan payments and you are on the debtors list.
Online loans announce your loan decision within minutes, but no later than one business day.
  • You provided incorrect data during the registration;
  • You have not repaid your loan by the same lender;
  • You are in the debtors’ list.
The lender sets the loan limit for each client individually.
The fee for extending the loan repayment term can be found in your user profile.

You can make loan payments on the lender's website. All loan repayments are collected via the debit order system automatically.

Yes. The loan can be repaid at any moment.

The website Loans365.co.za is an independent broker that provides consumers with free information on the special terms of a lender's loan agreement and other relevant information. Loans365.co.za does not issue loans and is not a lender. On the website, the peer-to-peer lenders have a special license to provide the consumer credit service.

Maximum annual percentage rate (APR): 74.9%. Loan term: from 62 days to 1 year. Cost example: Loan of 4000 R for 3 months, commission 808.48 R, total amount 4808.48 R, annual percentage rate APR 74.9%.