Disclaimer

We are not a credit provider

LoanRating.co.za is an independent comparison platform. We are not a registered credit provider, credit bureau, financial adviser or intermediary as defined under the National Credit Act (NCA), Act 34 of 2005. We do not grant loans, process applications or make credit decisions.

Not financial advice

The content on this website is provided for general informational and educational purposes only. It does not constitute financial, credit, legal or tax advice. Every individual's financial situation is different, and you should seek professional advice from a registered financial adviser before entering into any credit agreement.

Information accuracy

While we strive to keep the information on LoanRating.co.za current and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability or suitability of the information displayed. Loan terms, interest rates, fees and requirements are subject to change by credit providers at any time without notice to us.

Always confirm current loan conditions, interest rates and eligibility directly with the credit provider before making any financial decisions.

NCR-registered lenders

All credit providers listed on LoanRating.co.za are believed to be registered with the National Credit Regulator (NCR) under the National Credit Act. However, we recommend that you independently verify a lender's NCR registration before applying for credit. You can check the NCR register at ncr.org.za.

Our ratings and reviews

Ratings, scores and rankings on LoanRating.co.za are based on our own methodology using publicly available data including customer reviews, loan conditions and provider information. These are our independent assessments and should not be taken as the sole basis for a credit decision.

Customer reviews displayed on this site are sourced from third-party platforms. We do not verify individual reviews and cannot guarantee their accuracy. The opinions expressed in reviews belong to their respective authors.

Referral relationships

LoanRating.co.za may receive compensation from credit providers when users click on referral links or apply for products through our site. This commercial relationship does not influence the accuracy of information we present, though it may affect the prominence or positioning of certain providers.

Calculator disclaimer

The loan calculator on LoanRating.co.za provides estimates only. Actual loan repayments will depend on the specific terms agreed between you and the credit provider, including applicable interest rates, fees and charges. Calculator results should not be relied upon as a guarantee of actual loan costs.

Complaints and disputes

If you have a complaint about a credit provider listed on our site, you may contact the National Credit Regulator:

• Phone: 0860 627 627
• Website: ncr.org.za

For complaints about how we handle your personal information, please refer to our Privacy Policy.

Contact

If you believe any information on LoanRating.co.za is inaccurate, or if you have questions about this disclaimer, contact us at: info@loanrating.co.za