Loans in Durban 2026
Looking for a loan in Durban? Whether you need a quick payday loan, a personal loan for a larger expense, or cash to cover an emergency, multiple lenders serve the Durban area. Compare rates, terms and real user reviews from lenders available in Durban and across KwaZulu-Natal.
How we rate
Each lender is scored out of 10 across five weighted factors: customer reviews (35%), loan terms & cost (25%), transparency (15%), NCR registration (15%), and customer support (10%). We are independent and never accept payment for higher rankings. Read full methodology →
Advertiser disclosure▾
You're our first priority. Every time.
We believe every South African should be able to make borrowing decisions with confidence. While we don't cover every credit provider in South Africa, we work hard to feature a wide range of NCR-registered lenders and provide objective editorial comparisons you can trust.
Affiliate compensation is one of several factors that may affect which products we highlight or where partner lenders appear within promotional placements. Other factors include loan availability, NCR registration status, customer review volume, and the editorial relevance of a lender to a specific guide or comparison page.
However, these factors do not influence our editors' opinions or our scores. Every rating is calculated using the same independent methodology applied to every lender, partner or not. Our partners cannot pay us to guarantee favourable reviews, hide negative customer feedback, or alter their score. If a partner performs poorly on customer reviews or NCR compliance, their rating reflects that.
Top Lenders in Durban
All Loans (24) in Durban
| # | Loan Company | Score | Amount | Term | Rate | Age | |
|---|---|---|---|---|---|---|---|
| 1 | Creditum | 8.5 | R500 – R350 000 | 2 months – 6 years | 0.1% | 18+ | Get a Loan |
| 2 |  Creditomax | 8.3 | R500 – R15 000 | 1 day – 1 year | 0.01% | 18+ | Get a Loan |
| 3 |  Crezu | 8.1 | R500 – R350 000 | 2 months – 4 months | 0.03% | 18+ | Get a Loan |
| 4 |  LendPlus | 7.9 | R500 – R4 000 | 5 days – 1 month | 0.16% | 18+ | Get a Loan |
| 5 |  Dengoo | 7.8 | R500 – R9 000 | 1 day – 6 months | 0% | 18+ | Get a Loan |
| 6 |  Finpug | 7.6 | R500 – R9 000 | 1 day – 6 months | 0% | 18+ | Get a Loan |
| 7 |  Letocredit | 7.5 | R500 – R9 000 | 1 day – 6 months | 0% | 18+ | Get a Loan |
| 8 | Century / CredItza | 7.4 | R500 – R8 000 | 5 days – 6 months | 0.1% | 18+ | Get a Loan |
| 9 |  PrimeLoans | 7.3 | R500 – R4 000 | 5 days – 1 month | 0.08% | 18+ | Get a Loan |
| 10 |  Bayport | 7.0 | R2 000 – R250 000 | 6 months – 7 years | 0.08% | 18+ | Get a Loan |
| 11 |  Boost Loans | 7.0 | R500 – R8 000 | 1 month – 1 year | 0.07% | 18+ | Get a Loan |
| 12 |  Evergreen Capital | 7.0 | R100 000 – R10 000 000 | 6 months – 5 years | 0.1% | 18+ | Get a Loan |
| 13 |  Mafori Finance | 7.0 | R500 – R17 500 | 1 month – 1 year | 0.12% | 18+ | Get a Loan |
| 14 |  CiTi Cash Loans | 6.6 | R500 – R9 000 | 1 day – 6 months | 0.17% | 18+ | Get a Loan |
| 15 |  Directaxis | 6.5 | R5 000 – R350 000 | 1 year – 7 years | 0.08% | 18+ | Get a Loan |
| 16 | Exclusive Loans | 6.2 | R500 – R250 000 | 1 month – 5 years | 0.05% | 18+ | Get a Loan |
| 17 |  Atlas Finance | 6.1 | R500 – R20 000 | 1 month – 9 months | 0.1% | 18+ | Get a Loan |
| 18 |  Payflex | 5.9 | R50 – R10 000 | 1 month – 1 month | 0% | 18+ | Get a Loan |
| 19 | Showtime Finance | 4.9 | R1 000 – R250 000 | 6 months – 7 years | 0.07% | 18+ | Get a Loan |
| 20 | EasyFin Loans | 4.3 | R500 – R150 000 | 1 year – 5 years | 0.08% | 18+ | Get a Loan |
| 21 | FASTA | 4.0 | R500 – R15 000 | 1 month – 6 months | 0.08% | 18+ | Get a Loan |
| 22 |  Makanda Finance | 4.0 | R500 – R5 500 | 1 month – 6 months | 0.15% | 18+ | Get a Loan |
| 23 |  Mulah | 4.0 | R500 – R8 000 | 2 months – 3 months | 0.17% | 21+ | Get a Loan |
| 24 | Sunshine Loans | 4.0 | R500 – R4 000 | 4 days – 1 month | 0.1% | 18+ | Get a Loan |
🛡️ All lenders listed are NCR-registered credit providers.
Reviews of Loan Companies in Durban
LendPlus
★★★★★
She explained everyt...
She explained everything to me,very patiently and was able to solve my problem within minutes
LendPlus
★★★★★
Audra from Lendplus gives good service
Audra from Lendplus gives good service. She assisted me well today.
Boost Loans
★★★★★
They have fast, friendly and efficient staff
They have fast, friendly and efficient staff. Had great service with Sinah.
Boost Loans
★★★★★
I'm so happy their s...
I'm so happy their service is top notch happy client
PrimeLoans
★★★★★
Prime Loans
Hi Ayanda Prime Loans is a good and the doesn't take time to apply for loans
PrimeLoans
★★★★★
Sinazo was very exce...
Sinazo was very exceptional in her service she is good
Types of Loans in Durban
Durban borrowers can access several loan types: Personal loans offer larger amounts repaid over 12 to 60 months for major expenses. Payday loans provide small, short-term cash advances repaid on your next salary date. Cash loans deliver quick access to funds, often within 24 hours. Short-term loans bridge gaps between paydays with flexible repayment terms. Consolidation loans combine multiple debts into one manageable payment. Micro-loans serve lower-income borrowers needing smaller amounts. Emergency loans are designed for urgent, unexpected expenses and offer fast approval.
How to Apply in Durban
Applying for a loan in Durban is straightforward. Most major lenders allow fully online applications, meaning you can apply from anywhere in the city — whether you are in Chatsworth, Westville, or Phoenix — without visiting a branch. You will need your South African ID, proof of income, a recent bank statement, and proof of residence. Online applications typically receive a decision within minutes to a few hours. If you prefer face-to-face service, lenders such as African Bank, Capitec, and Nedbank maintain branches throughout Durban, including the CBD, Pavilion Shopping Centre, and Gateway Theatre of Shopping in Umhlanga.
Tips for Durban Borrowers
FAQ — Loans in Durban
Where can I get a loan in Durban?
You can get a loan in Durban through major banks like Capitec, African Bank, Absa, FNB, and Nedbank, which have branches across the CBD, Umhlanga, and Pinetown. Alternatively, most registered online lenders serve Durban residents and allow fully digital applications from home.
Are there micro-lenders in Durban?
Yes, Durban has many NCR-registered micro-lenders operating in areas including Umlazi, KwaMashu, Chatsworth, and Pinetown. Micro-lenders typically offer smaller loan amounts suited to lower-income earners. Always confirm registration with the NCR at ncr.org.za before applying.
Can I get a loan in Durban with a bad credit record?
Some lenders in Durban do consider applicants with impaired credit histories, particularly short-term and micro-lenders. However, interest rates may be higher. It is advisable to check your credit report first via TransUnion or Experian and compare available options on LoanRating.co.za.
How quickly can I get a loan approved in Durban?
Many online lenders serving Durban approve applications within minutes and disburse funds within 24 to 48 hours. Branch-based lenders at locations like Gateway in Umhlanga or the Durban CBD may offer same-day approval depending on documentation provided.