Loan guides
- How to improve your credit score in South Africa: What a credit score is, how the SA credit bureaus calculate it, how to get your free report and practical steps to raise your score.
- Your rights as a borrower in South Africa: The National Credit Act protects SA borrowers. Learn about fee caps, the pre-agreement quote, reckless lending and how to complain to the NCR.
- Debt review explained: How debt review (debt counselling) works in South Africa, what it costs, how it affects your credit and how to exit.
- Loans for pensioners and SASSA grant recipients: Can you get a loan on a pension or SASSA grant in South Africa? The rules, affordability checks and illegal practices to avoid.
- Loans for self-employed South Africans: How freelancers, informal traders and business owners in SA can prove income and qualify for a personal loan.
- Borrowing with bad credit in South Africa: What 'bad credit' means, which options exist for blacklisted borrowers, what they cost and safer alternatives.
- How to spot loan scams: The most common loan scams in South Africa (upfront fees, fake lenders, card-holding) and how to check a lender is legitimate.
- How loan interest and fees work: Understand interest rates, prime and repo, initiation fees, service fees, credit life and total cost of credit on SA loans.
- Payday loans vs personal loans: Compare short-term payday loans and personal loans in SA by cost, amount, term and when each makes sense.