Rating based on 75 reviews

SA Loan Service

  • Flexible loans
  • Bad credit friendly
  • Repayment up to 84 months

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

SA Loan Services - we take the hassle out of getting a quick loan

SA loan service was founded in 2010 to make the process of applying for a loan as simple and hassle-free as possible. With over 10 years of experience in the financial field, you are guaranteed the best deal possible.

Our mission statement

We are there to assist our clients with their online loan applications to ensure that they will be approved. We use the latest technology to assess your level of affordability and help you with your application every step of the way. 

Our excellent customer service and friendly consultants make sure that you are well taken care of and will answer any questions that you might have.

We aim to grow into South Africa’s preferred lender and bring the best product options to our clients.

Vision statement

Our vision is to grow and become the first company that you turn to when you need some financial assistance. To provide efficient and effective personal loan products to all our clients.

Even if you have a bad credit score, we would still like to be able to assist you and help you improve your financial situation. We strive to improve and obtain better standards in the industry and bring about change so that consumers aren’t taken advantage of and protect the public.

Our clients are our lifeblood and we will do everything in our power to make sure that you are happy through every step of the quick loan application process. If you are unsatisfied with our service or need additional assistance, please don’t hesitate to contact us. 

Quick cash loans at your finger tips

We are different than most online loan companies as we believe in putting our clients’ needs first.

We offer:

  • The most professional, efficient payday loan service backed by over 12 years of experience in the financial field
  • You can apply online and no original documents need to be submitted
  • We do the running around for you in order to get you the best deal
  • Our service is safe and secure and your information is treated with confidentiality

Easy to apply

 It is very easy to apply for one of our personal loans, simply log into our website and fill in the following details:

  • Name and surname
  • ID number 
  • Cell phone number
  • E-mail address
  • Address
  • Marital status
  • Employment details
  • Company contact number
  • Bank account details
  • Salary details

Supporting documents to process your loan.

  • A clear copy of your South African ID document
  • A copy of your latest payslip
  • A copy of your last 3 months bank statements

You will be able to upload these supporting documents straight from our website. 

SA Loan Service – Personal loan

  • Loan Type Personal loans
  • Repayment 84 months

Benefits of SA Loan Service

  • Quick and easy online loan applications
  • Affordable repayment terms

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 quick loans calculator is subject to our terms of use.

SA Loan Services - We welcome aplicant of any credit score

We care about your needs and want to make sure that you are protected and can afford to make the repayment of the loan.

All loans are subjected to a credit check and loans will be granted on the level of affordability. You will be asked to consent to a credit check.


If you are blacklisted you are still able to apply for a bad credit loan, you might still qualify, you never know unless you try. If you do qualify, you may have more strict repayment conditions.

What is debt consolidation

A debt consolidation loan is a loan that is specifically taken out to pay off your debts and accounts. The lender will negotiate a settlement amount on all your debt and then pay all your debt off for you. You will then only have once amounted to pay every month instead of multiple accounts.   

Benefits of consolidating my debt

  • No more harassing phone calls from debt collectors
  • No more having to decide which account you will pay this month
  • No more missing a payment
  • No more added interest on multiple accounts
  • You will have better financial control
  • Be able to set up a debit order in order to never miss a payment
  • Effective and convenient

Home loans

Home loan debt consolidation lets you use your home as collateral to secure your personal cash loan. This gives you a much lower interest rate. The money can be used to pay off all your existing debt so that you only have to make one payment instead of multiple payments on accounts.

Secured loans

A secured loan involves putting up one of your assets as collateral to secure your loan. This is a risky type of loan because if you default on payment the assets listed as collateral can be repossessed and you may lose it completely. 

Debt counseling

If you are drowning in debt and under constant stress while being harassed by debt collectors while wondering what you are going to do it would be advisable to think about seeing a debt counselor regarding debt counselling.

Apply for debt counselling

In order for you to apply for debt counseling, you will need to apply, to qualify you must be defined as over-indebted as defined by the National Credit Authority and you cannot make the minimum ent amounts. You can be denied debt counseling if you are not over-indebted and will be given a letter of rejection letting you know the reasons that your debt counseling application was declined.  

No more access to credit

If you have been approved and are under debt counseling you will no longer have access to further credit. Your credit report will list you as under debt counseling and no lender will be able to offer you any short-term loans or services. You will also have to stay under debt counseling until all your debt has been paid off and even after your debt has been paid off the note on your credit report will adversely affect your credit score making it more difficult for you to obtain credit in the future.

Consider your loan carefully

Before taking a loan you should think very carefully if you will be able to easily make the repayment terms even if you get retrenched or lose your job. Many loan agreements include cover plans and it is very advisable to take this option if it is available.

Customer Reviews & Testimonials

April 2019

SA Loan Service gave me a credit deal; I would recommend their services to anybody who is looking for an affordable loan offer.

Melanie V
— Sandton —

November 2018

What a pleasant treatment I got at SA Loan Service. It is good to see that there are still credit providers that go out of their way to assist their customers.

Penelope F
— Carletonville —

SA Loan Service Contact

Physical Address

Opening Hours

  • Monday 08:00 – 16:00
  • Tuesday 08:00 – 16:00
  • Wednesday 08:00 – 16:00
  • Thursday 08:00 – 16:00
  • Friday 08:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed