Rating based on 95 reviews



  • Personal loans up to R250,000
  • Low-interest starting from 23%
  • Repayment up to 60 months

In-page navigation

DebtLab homepage

Author DebtLab. Screenshot of DebtLab website. [Accessed May 13, 2018]

Debt Lab - Let us find the perfect credit product for you

Debt Lab offers you quick loans, cell phone contracts and credit cards. We offer advice on debt management and we offer the best deals on insurance. We have partnered with the leading financial lender to bring you the best deal that they have to offer.

Once you have applied using our easy online loan application form. We will submit your application to the lender that best suits your loan application.

This improves your chances of your loan being approved. Because everything is done online there is no need for paperwork. Our call centre consultants are there to assist you, should you need any help during the application process.   

We offer the following services to our clients:

  • Personal loans
  • Payday Loans
  • Cell phone contracts
  • Credit cards
  • Debt consolidation
  • Vehicle financing
  • Rent to own vehicles
  • ITC clearance
  • Voluntary surrender
  • Insurance quotes

Personal loans

Apply for a personal loan with us today using our easy to apply online application form. Fill in the following personal details:

  • The amount that you would like to borrow
  • How long you will need to pay back the loan
  • Your first name and last name
  • Your South African ID number
  • Cell phone number
  • Work contact telephone number
  • E-mail address
  • Gross salary
  • Net salary

Added benefits

When you apply for a personal loan with us, we will send you free, competitive insurance quotes as part of the service.

You can also choose to have quotes sent to you for funeral cover options or car and household insurance options. 

Get your obligation free quote today

We offer payday loans through our online application process. Simply fill in the application form and we will get someone to call you back.

Payday loans can even be granted to people who have a bad credit score so apply today for an obligation free quote to see if you qualify.

How much may I borrow?

Need payday loans to be paid back in full the next time your salary is paid into your account. It is quite difficult to pay back large sums of money in one payment and it is much easier to pay back a loan over a couple of months. For this reason, you may borrow up to R8 000 that will be paid directly into your bank account within 24 hours.

Remember that you need to pay back whatever you borrow, with interest and in only one payment. So only borrow as much as you can comfortably afford to pay back.   

The added benefit of insurance quotes and funeral cover quotes are also included in this service and are sent to you free of charge when you apply for a short-term loan.

What cards do we offer?

Instead of taking a personal cash loan another option would be to apply for a credit card. These cards offer general credit that you can spend at multiple retails throughout South Africa. The credit cards we offer include:

  • RCS Card – you can use this credit card to spend at Pick n Pay, game stores and many more.
  • Game Store Card – This store card can be used to purchase anything in the Game store.
  • Pick n Pay Credit Card – this store card allows you to purchase anything from any Pick n Pay store in your local area.
  • Builders Warehouse Store Card – this store card allows you to purchase items at any Builders Warehouse store in order for you to renovate your property. You will be given up to 36 months to settle your store card debt.
  • Makro Credit Card – this card allows you to purchase groceries, toys, appliances and anything else sold in the Makro store including the Makro bottle store.
  • CTM – this store card is perfect for purchasing items for renovating your home and can be used at any CTM store.
  • Dion Wired Store Card – this store card allows you to purchase a wide range of electronics that are offered in the store. You will have 36 months to repay your store card debt.

NWJ Credit Card - this credit store card allows you to purchase jewellery at any NWJ store. If you are looking to propose to that special someone this could be the option for you.

DebtLab Personal loan

  • Loan Type Personal loans
  • Interest Rate from 23%
  • Loan Amount up to R250,000
  • Repayment 30 days to 60 months

Benefits of DebtLab

  • Comprehensive credit reports
  • Your loan delivered in 3 minutes
  • Legal advice assist available

Personal 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 Online loan calculator is subject to our terms of use.

Debt Lab - Everything you need from one provider

If you are looking for a cell phone contract and have been turned down by other South African online loan providers and traditional lenders then we may be able to assist you. We offer cell phone packages that are easy to afford and simple to obtain. The process is very simple.

Browse the cell phone packages that we have on offer. Pick the one that you like the best and pick a rate of repayment.

Then simply fill out our online application form, it’s simple to understand and should take less than 5 minutes to complete.

No credit checks

We don’t run a credit check that means that the chances of us approving your cell phone or bad credit loan application are very high. If your cell phone application is accepted, we will contact you and let you know.

Then, with 5 working days, your new cell phone will be delivered to your front door and handed straight to you. The SIM card is free, so is the initiation fee and you can start using your new device almost immediately.

Contact us

Simply log onto our website www.debtlab.co.za and fill in our online application form to get a personal loan today.

Customer Reviews & Testimonials

November 2018

DebtLab ensured that not only my loan was affordable but that I get it in the shortest response time.

Boitumelo M
— Gauteng —

February 2019

Thankfully to DebtLab, I still get to pay my other monthly financial obligations.

Sandra B
— Vanderbijlpark —

DebtLab Contact

Contact Number


  • not available


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