Rating based on 61 reviews

Loan SA

  • Payday loans up to R150,000
  • Low-interest starting from 27%
  • Repayment up to 36 months

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Loan SA homepage
Author Loan SA. Screenshot of Loan SA website.
[Accessed May 13, 2018]

Loan SA - Get a loan fast

Loans SA has been around for many years and due to our experience in this time, we have developed the fastest way to apply for a loan.

Our loan process literally only takes 3 minutes to complete. The thing that sets us apart with our service package is that it comes with a wide variety of options for you.

Expert legal services

Clients who have poor credit ratings or garnishees against them are even welcome to apply for a loan at Loans SA. You won’t need to manually submit any paper documents, as all processes are online.

One of the main products that you can expect to receive through your membership with us is our legal assist services. This really benefits you when you find yourself in a position where your debt might require a lawyer to assist you. You’ll receive unlimited telephonic legal services as well as contract assistance services.

With Loans SA, it doesn’t’ matter to us what you need your payday loan for. You can use it for a home improvement, school fees, a family emergency, anything really, that’s entirely your call.

You will get only the best services

Our promise to you is to provide you with the best level of customer service, going beyond your expectations of how it should be. With all our services, they’re easily accessible to clients all day and all week! Our top-notch client zone and contact centre will help you with everything you need.

Loan SA currently processes around 400 000 applications per month. We also assist those that may have a poor credit rating. The application process is simple. All you need to do is complete the quick loan application form below and you will receive an instant answer on your application.

We have a wide range of products and services

In our arsenal of services, we’re equipped to offer personal loans, vehicle finance, and debt consolidation for those in need of any such loans.

Our annual rates

RR X 2.2 r. Maximum APR = (RR x 1.7) + 15% per annum. The minimum period that we can offer from our registered credit providers is 6 (Six) Months and our maximum period offered is 60 (Sixty) Months. The maximum Annual Percentage Rate (APR) is 27% - (Repo Rate + 21%).

Non-payment implications

It’s not that we mean to miss payments, but there are situations where it might look as though you could. It’s important that you contact us and advise us before the debit order date, so as to avoid being handed over to a debt collection firm or incurring any legal implications.

You need to repay your payday loan on the due date or have sufficient funds available. By default, the first lender will make a second and third attempt to collect the money, and only if they fail to do so, will they go about handing you over.

Renewal policy

Lenders will allow for renewal only once you have successfully paid for three short-term loans. Otherwise, you are still required to apply for a new loan each time so that we can perform the necessary checks and review your financial situation at the time.

Communication service

If you are a current client, you can log into our website at the “Client zone” by way of entering your ID number along with your registered email address when you first completed your application form. If you’re feeling a bit chatty and looking for instant correspondence, why not try our Live online support chat that is available to you on our web.

Loan SA – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 27%
  • Loan Amount up to R150,000
  • Repayment 30 days to 36 months

Benefits of Loan SA

  • Legal assistance package
  • Quick loan applications
  • Clients with a bad credit rating can apply

Payday 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.

Loans SA gives you access to the best pay day loans available

Since our lives are so busy, the last thing you want to do is go from pillar to post, to obtain the cash when you need it in an emergency. Payday loan lenders make an effort to provide their borrowers with a growing number of services and facilities to suit their needs.

Where payday loans are concerned, there are several types. If you do your research, you’ll discover that many banks offer payday loans. There are also a number of sites where you’ll be guaranteed an instant payday loan.

You’ll find these loan types to be extremely useful, and in addition to that, you can expect to save loads of time. You can even peruse the instant loan options from the comfort of your own home. Prior to obtaining credit from us, you’ll need to understand the stipulations of the loan.

Poor credit score getting you down

Poor credit is so common in the tough economic climate, we are currently faced with, and the loans for bad credit were created by us, especially for such individuals.

Credit card loans are there to provide you with access to funds to cover the bare necessities in life that we need, until such time that your credit score improves and you’re able to apply for higher credit.

An occupation or steady income source will assist you during the period that you’re blacklisted. Lenders will consider those factors when deciding to approve your poor credit loans.

Many lenders will negotiate a personal loan price on your behalf and are offering competitive for customers that are after poor credit loans.

Poor credit loans when you can’t get credit anywhere else

Being blacklisted doesn’t mean not having access to credit at all. However, having accrued bad credit does impact an individual‘s credit score and is usually displayed in one’s credit history. These individuals would be considered high risk, therefore, are often rejected by your typical lender. Should you find yourself in such a dilemma, a poor credit loan is here to assist you.

Customer Reviews & Testimonials

March 2019

My experience was extremely pleasant. Thank you Loan SA!

June V
— Potchefstroom —

December 2018

I found Loan SA to be really helpful and they made finding a payday loan a whole lot less stressful.

Katlego A
— Nelspruit —

Loan SA Contact

Contact Number



Physical Address

  • 30 Siphosethu Rd, Mount Edgecombe Durban KwaZulu-Natal 4302 South Africa
  • Get Directions

Opening Hours

  • not available