Rating based on 562 reviews


EC Loans

image of EC Loans
image of EC Loans

About – EC Loans

EC Finance is a company that strives to be the top choice where quick loans are concerned.

Through the many years of service in the industry, we’re grown to be one of the leaders in assisting with debt relief. You’ll find us located in the Western Cape, however, we service various areas in South Africa.

A unique loan service

What sets us apart from other lenders is the fact that EC Finance is owner run. This puts us ahead in terms of our hands-on approach through the passion that exists and is present each and every day on the office.

Our staff are thus highly motivated and we choose to grow our staff morale so that they can motivate you in the same way, thus strengthening relationships throughout our entire customer base. It’s as a result of this service that our clients keep coming back to us!

EC Finance forms part of a large network of creditors that affords us the opportunity to provide you with flexible personal loan offers and costs. We are regulated by the National Credit Act 34 of 2005 and lend responsibly at all times.

Being able to provide affordable loans to our clients is a priority at our company.

We believe that the needs of the customer should come first and that we should match them at all costs. 

Our professional dealings shine through to the end of all agreements and clients feel respected and looked after despite their tough financial situation.

Our mission

To be the number one online loan service or product provider in the country. We aim to assist all consumers that are facing financial hardship and lead them toward a debt-free life.

Services – EC Loans

If you’re looking for a long or short-term loan, then EC Finance has one for you.

There are so many lending institutions that are not catering to the entire market and for this reason, we have tailored products that will match every financial need conceivable.

We offer personal loans ranging from R 1000 to R 120 000 for the medium-income sector.

Fast loan payouts 

When you’re faced with a cash emergency, the only thing that matters is having access to cash – fast!

Well, for this exact reason, applying with us has never been simpler!

Not only are you able to apply online from anywhere in the world, but you also have the chance to access the loan funds the very same day you apply!

All you need is to have the necessary documentation and tick all the boxes on the criteria which are pretty standard, and you’ll be on track to debt relief!   

Ready to apply?

Use us for flexible loan assistance and a loan product range so comprehensive you’ll be glad you chose EC Finance.

Our quick and easy online loan application removes the stress of time and paperwork burdens and if you’re unsure on which package to choose, there are many tips and guides that will help you reach your decision.

When it’s time for the feedback on your application, we’re keeping with the trend of speed and will give you an answer on approval within 6 hours of submitting your loan application.


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Summary of Services

  • Personal Loans
  • Instant Cash Loans
  • Bad Credit Loans


EC Finance offers same day payments

When it’s approved, you can expect the money to be paid to you the very same day.

Provided you have given us all the correct information and your bank account is active. EC Finance is proud to deliver a world-class instant cash loan service to your budget and lifestyle

We take pride in our flexibility

You’re the client, and that is why you’re behind the steering wheel of your loan package and loan amount. We don’t push you to apply for more even if you qualify. We’re all about lending responsibly and honesty is at the forefront of our promise to you.

Transparency is our game

Not all lenders are transparent, but EC Finance wants to sleep at night as much as you do, hence we’d rather disclose all costs upfront because there’s no need to rope you in and then make you struggle with hidden costs. Whatever personal loan amount you sign off on is the amount you’ll be liable for and only that amount.

We encourage short-term lending

This goes to show that we’re not in it to try and make money off of your financial emergency. We are here to help. The best way we can do that is to assist you in taking out a loan as short as possible and help you settle it a soon as possible.

Instant as well as payday loans are ideal and we’ll make sure you can afford to repay it before lending it to you. We don’t charge you any penalty fees, so you can rest assured that your best interest’s are at heart with EC Finance.

We are always here for you

You can always reach us during office hours through any means of communication. Also, we actually encourage complaints and suggestions should you have any, because we’re all about customer service and growth in the areas where improvement is needed!


Customer Reviews & Testimonials

 Contact Details

11 Long St, Cape Town City Centre, Cape Town 8000, South Africa
Ph: 021 200 6010 / 087 943 2500
Fx: 086 525 8611
Em: info@ecloans.co.za

 Opening Hours

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