Rating based on 69 reviews

EZI Finance

  • Loans bad credit up to R8,000
  • Low-interest up to 32.1%
  • Repayment up to 6 months

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Author EZI Finance. Screenshot of EZI Finance website.
[Accessed January 30, 2023]

EZI Finance - They're the loan specialists

At EZI Finance, they've helped a large number of South Africans reach their financial goals.

Over the years, their company has grown into a reputable lending company, and they're the personal loan specialists in the financial industry.

Tailor-made loan options

They have a vast variety of lenders that they have strong partnerships with, and they have a number of quick loan options on offer.

When you apply for a loan with them, they'll search through their list of lenders and determine a loan type that meets your individual requirements.

Passionate consultants

They have a team of highly experienced consultants who are passionate about finance. They strive to give you excellent customer service as well as find the right loan for you. They're there to guide you through the loan application, advise you on loan options and answer any questions you may have.

They supply loans to clients with bad credit.

Bad credit doesn’t have to be a bad thing, and at EZI Finance understand that a simple missed payment can reflect poorly on your credit score.

They treat all of their clients equally regardless of their credit score.

When you apply to them, they assess your affordability by taking into account how much you have left of your salary once all your expenses are paid, and from there, they calculate how much you can afford in monthly repayments on your bad credit loan.

They can help you become debt free

They strive to help all South Africans reach their financial goals and with their debt consolidation loan options, it's their goal to assist you in becoming debt-free!

Debt consolidation loans

With their debt consolidation loan option, they calculate all of your current debt and structure it into affordable monthly repayments. Their company is passionate about finance, so they ensure that they're tailoring the best option for you to reach financial freedom.

Reliable and transparent lender

At EZI Finance they pride themselves on their transparency and reliability. They use only the best lenders who match their reputation. There are no hidden fees, and before you sign the loan agreement, they'll stipulate exactly how much you can expect to pay, and how much interest you'll be charged on the loan for bad credit.

Apply online now

Visit their website and fill in the simple application form and a consultant will promptly contact you on the outcome of your loan application. As soon as you qualify for a loan the consultant will also advise you on loan options from different lenders. They'll save you time by doing all the difficult, albeit necessary work on your behalf.

Loan options

Their lenders have many loan options to choose from, with the most popular loan options being instant loans and student loans. They can also supply you with micro-loans, debt consolidation loans and loans for clients who are blacklisted. They strive to help every South African who meets their criteria to obtain a loan. If you're under debt administration, they regret they're unable to assist you with a loan.

EZI Finance – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 32.1%
  • Loan Amount up to R8,000
  • Repayment 2 months to 6 months

Benefits of EZI Finance

  • Blacklisted loans available
  • Up to R8 000 over as many as 60 months
  • Low-interest rates of only 32.1% per annum
  • Quick and easy application

Bad credit loan calculator

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

EZI Finance – Fast, reliable loans

They specialise in finding you the right loan to fit your individual budget in a quick, reliable manner.

With a loan-finding platform and innovative technology, they're able to provide you with the tools to discover the loan you need, with fast turnaround times.

Loan requirements and documents

To qualify for a personal loan for bad credit you must be a South African citizen with a permanent job. They do not grant loans if you work part-time or are self-employed. You need to be at least 18 years of age, but also younger than 63 years old.

Your monthly earning must exceed R3 000, and in order for them to verify your personal details, they'll need your personal documents, including a valid South African ID, proof of address, 3 months’ bank statements and recent pay slips.

They support responsible lending

They work in line with the stipulations set by the National Credit Act, therefore they support responsible lending and will never advise you to take an instant cash loan with them that does not suit your monthly budget. 

Competitive interest rates

They only use transparent and reputable lenders. Although interest rates will vary from lender to lender, they guarantee that the rates are very competitive. As soon as you've been approved for a loan, your online loan amount will be paid into your account within 48 hours. They collect all repayments via a debit order that they'll set up for you.

If you're looking for a loan, but you don't want to spend hours looking for the right lender, then EZI Finance is the best option for you. Don’t despair if you have a poor credit record, they're specialists in ensuring that this does not get in the way of your loan!

Customer Reviews & Testimonials

January 2019

I got the assistance I needed with my debt control I recommend them to help you if you need it.

Sean S
— Port Elizabeth —

March 2019

I didn't have the money to pay for a funeral, this helped me get the money even with my bad credit.

Nathan J
— Cape Town —

May 2019

I had my query resolved within minutes of contacting them and they were lovely and friendly I recommend them.

Megan P
— Pretoria —

EZI Finance Contact

Contact Number



Physical Address

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed