Rating based on 61 reviews

EC Loans

  • Personal loans up to R100,000
  • Low-interest starting from 28%
  • Repayment up to 84 months

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EC Loans homepage
Author EC Loans. Screenshot of EC Loans website.
[Accessed January 30, 2023]

EC Finance - Quick personal loans

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

Through many years of service in the industry, they've grown to be one of the leaders in assisting with debt relief. You’ll find them located in the Western Cape, however, they serve various areas in South Africa.

A unique loan service

What sets EC Loans apart from other lenders is the fact that they're owner-run. This puts them ahead in terms of a hands-on approach through the passion that exists and is present every day in the office.

Their staff is thus highly motivated and they choose to grow staff morale. This ensures that they can motivate you in the same way, thus strengthening relationships throughout their entire customer base. It’s as a result of this service that their clients keep coming back and, so will you.

EC Finance forms part of a large network of creditors that allows them to provide you with flexible personal loan offers and costs. They're regulated by the National Credit Act 34 of 2005 and lend responsibly at all times.

Being able to provide affordable loans is a priority. They believe that the needs of the customer should come first and that they should match them at all costs. 

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

EC Loans' mission

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

EC Loans Services

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, they've created tailored products that will match every financial need conceivable.

They 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 EC Loans 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 meet the criteria which are pretty standard, and you’ll be on track to debt relief.   

Ready to apply

Use this lender for flexible loan assistance and a loan product range so comprehensive you’ll be glad you chose them.

Their quick and easy online loan application removes the stress of time and paperwork burdens and if you’re unsure of 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, they’re keeping with the trend of speed and will give you an answer on approval within 6 hours of submitting your loan application.

EC Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R100,000
  • Repayment 12 months to 84 months

Benefits of EC Loans

  • Fast personal loans
  • Competitive interest rates
  • Affordable repayment terms

Personal loan calculator

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

EC Finance offers same day payouts on personal loans

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

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

EC Loans take pride in their flexibility

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

Transparency is the name of the game

Not all lenders are transparent, but EC Finance would 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.

They encourage short-term lending

This goes to show that they’re not in it to try and make money off of your financial emergency. They simply want to help. The best way they can do that is to assist you in taking out a loan as quickly as possible and help you settle it as soon as possible.

Instant as well as payday loans are ideal and they’ll make sure you can afford to repay it before offering you approval. They don’t charge you any penalty fees, so you can rest assured that your best interests are taken care of.

EC Loans are always ready to help

You can always reach their staff members during office hours through any means. Also, they actually encourage complaints and suggestions should you have any, because we’re all about customer service and growth in the areas where improvement is crucial.

Customer Reviews & Testimonials

September 2018

Thanks to EC Loans, I finally got a loan that works well with my budget.

Danny R
— Gauteng —

November 2018

Without the timeous assistance of the consultants from EC Loans, I would be still looking for a credit plan I could afford.

Nondumiso M
— Port Shepstone —

February 2019

EC Loans gave me an opportunity to restart my life and pay all my debts.

Melanie V
— Potchefstroom —

April 2019

Applying for a loan using the EC Loans website was fast, easy and convenient.

Pamela C
— Brakpan —

EC Loans Contact

Physical Address

  • 11 Long St, Cape Town City Centre Cape Town Western Cape 8000 South Africa
  • Get Directions

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