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works for you.
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MoneyHello is a free service. We may receive compensation from lenders.
MoneyHello is a loan comparison platform and lead generator. We connect you with NCR-registered lenders. We do not issue loans directly.
Interest Rates & Terms: Maximum APR: 102.14%. Repayment periods range from 3 to 72 months.
Representative Example: If you borrow R1,000 for 90 days: Initiation fee is R150, Monthly Service fee is R60, Interest is R90. Total repayment amount is R1,300.
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Wondering how to get an online loan in South Africa?
See how MoneyHello matches you with NCR-registered lenders in 3 simple steps. No paperwork, no stress
Use our slider to choose your borrowing amount and purpose. We'll ask a few quick questions to understand your needs.
Under 2 minutes
No credit impact.
Our technology scans the South African network. We bring NCR-registered lenders to you.
Trusted providers only
Clear rates upfront
Review your offers and choose one that fits your budget. Then, complete the final steps with the lender, like a digital signature and bank verification.
Instant cash payouts.
We aren't just another faceless finance site.
We're your partner in navigating the South African lending world.
Our platform is free for you. We earn a fee from lenders, focusing on finding a deal that suits you.
Your financial safety is our priority. We vet lenders to ensure they are registered.
We use 256-bit encryption to ensure your data stays private and protected.
We believe finance should be transparent and easy to understand. If you've got a question that isn't covered here, feel free to reach out – we're here to help!
The Basics
We aren't a bank or a lender. Think of us as your personal loan matchmaker Instead of you filling out dozens of applications at different banks, you fill out one quick form with us. We then use our smart tech to find which registered South African lenders are most likely to approve you.
Not a cent. Our service is 100% free for consumers. We get a small referral fee from the lenders if you choose to take out a loan with them. This allows us to keep our platform free and focused on finding you the best deal.
Never. When we show you your matches, you are welcome to compare them and walk away if none of them fit your needs. You only enter into an agreement when you digitally sign with a specific lender.
Eligibility & Credit
No. When you use MoneyHello to see your initial matches, we perform what's called a "soft search." This does not impact your credit score. If you decide to move forward with a specific lender, they will perform a final credit check as required by the NCR.
To use MoneyHello, you generally need to:
Most of our partner lenders require a regular salary from an employer. However, some of our specialized partners do consider pensioners. Currently, we do not have lenders in our network who provide loans solely based on SASSA grants.
Speed & Payouts
Through our partners, we can help you find anything from a small R500 "bridge" loan to larger personal loans of up to R250,000, depending on your income and credit profile.
Because we are a marketplace, rates vary between lenders. However, because we only work with NCR-registered providers, your interest rate is capped by South African law. You will see the exact interest rate and total cost of credit before you agree to anything.
