Rating based on 35 reviews

EC Loans

  • Loans bad credit up to R120,000
  • Low-interest up to 28%
  • Repayment up to 84 months

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EC Loans homepage
Author EC Loans. Screenshot of EC Loans website.
[Accessed May 13, 2018]

EC Loans - Affordable bad credit loans

At EC Loans we offer South Africans with any credit score an affordable loan fast

Our Loan processing turnaround time is one of the fastest in the industry. We have an excellent customer service and this will be of great benefit to you. We have been rated highly by our customers and we are proud to announce that we have become a very popular choice for loans for bad credit in South Africa.

Value-added benefits

With us, you will receive the most professional and helpful customer service, from answering the phone to helping you with your application. Our consultants are always ready to answer any questions you may have or to give you advice.

We understand that confidentiality is important to you, and your online loan application will be processed with your privacy in mind. Our online security will ensure that your personal details and documents are safe with us.

Reliable and trustworthy lender

We are registered with the National Credit Act and we follow the stipulations set by them. We always practice responsible lending. We have been assisting clients with bad credit loans for years. We use our experience and expertise in the financial industry to supply you with faster loan processing times and loan options.

Visit our website and apply for a loan online in just 5 minutes. We are proud of our transparency as a lender and we ensure you that there are no hidden costs. Our interest rates will be calculated into your monthly instalments. You can use our loan calculator to see exactly how much interest you will be paying on your short-term loan.

We supply loans to clients who have been blacklisted

At EC Loans we also offer small, quick loans to clients who are blacklisted or have bad credit. We can supply you with a loan with one of the most cost-effective, interest rates available in the industry today.

Loans between R1000 and R120 000

At EC Loans we offer South Africans fast loans that range from R1, 000 up to R120, 000.

These loan amounts can be used for anything from cash emergencies, buying a car or furniture. We understand that it can be difficult to get a loan when you have bad credit or when you are blacklisted. We aim to provide you with a bad credit loan to suit your individual needs.

Bad credit loans

With years of experience in the financial industry, we have the expertise to supply you with bad credit loans with one of the fastest processing times in the industry. Our online application only takes a few minutes to complete and a consultant will contact you about the outcome of your loan application in the shortest time possible.

EC Loans loan application

You can apply for a loan up to R120, 000 with a maximum interest rate set at 28%. This is one of the most cost-effective, interest rates available in the industry. Our loan repayment term options range between 12 and 84 months.

We offer both secured and unsecured personal loans with an average processing time of only 2 hours. With this fast turnaround time, we will get you the cash you need quickly. The loan amounts can be used at your own discretion.

EC Loans loan requirements

In order to qualify for a loan with us, you must be 18 years or older and be permanently employed. The personal documents that must accompany your loan application include; a copy of your South African ID, proof of residence pays slips and bank statements.

In order to process your online loan fast, please ensure that your personal contact details are filled in correctly. Your privacy and personal detail are a priority for us. Our website uses advanced encryption technology to help you browse safer and to keep all your details safe.

EC Loans – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 28%
  • Loan Amount up to R120,000
  • Repayment 12 months to 84 months

Benefits of EC Loans

  • Loans from R1000 to R120 000
  • Repayment terms between 12 and 84 months
  • Unsecured and blacklisted Loans
  • Easy online approval
  • 90% approval rate

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

EC Loans – Loans made easy

At EC loans we make getting a loan quick and easy.

We understand that you do not have time to stand in queues or fill out endless paperwork. For many years, we at EC Loans have helped South Africans with bad credit to get a loan and achieve their financial goals.

Apply for the loan online

You can complete the online application form from the comfort of home. Our loan process is 100% online. You can conveniently upload your personal documents onto our website or simply fax it to us.

A consultant will contact you within minutes of applying for a loan with the outcome. We will email you with a loan suggestion and you can accept the loan by just replying to our email. The money will be paid into your account immediately after you agree to the loan contract.

EC Loans loan options

With our small unsecured loan options, you do not have to use any of your valuables as security. We give you peace of mind knowing that your assets are safe. Unsecured personal loans for bad credit are the best option for you when you have bad credit.

If you are blacklisted or have bad credit and you are tired of being declined for a loan by banks and another lender then EC Loans is the best option for you.

With us, you will get affordable loans with great interest rates and a repayment plan sculptured around your budget. Apply today to get the financial freedom you deserve.

Customer Reviews & Testimonials

August 2017

Very reasonable loan options are available for people with bad credit.

Bongiwe M
— Bisho —

June 2018

I love using this company all I have to do if I would like to know how much my loan would be is a apply for it and they send you back a quote with your answer.

John B
— Cape Town —

April 2019

I am an existing client and have a loan that I am paying off at the moment but needed a loan for a few days and they let me get my loan I recommend them because they care.

Andrew T
— Port Elizabeth —

EC Loans Contact

Physical Address

  • 14 Bloem Ct, Northpine Cape Town Western Cape 7560 South Africa
  • Get Directions

Opening Hours

  • not available