Loans in Johannesburg 2026
Johannesburg is South Africa's financial hub, and there's no shortage of loan options available to residents. From micro-lenders in the CBD to fully online applications, you can access payday loans, personal loans and cash loans from leading providers. Compare rates and user reviews to find the best lender in Johannesburg.
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 Johannesburg
All Loans (24) in Johannesburg
| # | 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 Johannesburg
LendPlus
★★★★★
Shane the agent is a...
Shane the agent is a friendly agent who can assist
LendPlus
★★★★★
Zandisa was awesome! The loans are reliable
Zandisa was awesome! The loans are reliable. My only issue is that the repayment date tends to be different from the agreement I signed.
Boost Loans
★★★★★
Excellent service and turnaround time
Excellent service and turnaround time. Keep you updated from time. A transparent service in terms of the rates. Professional staff. Can recommend them to anyone at any time.
Boost Loans
★★★★★
It was not a Hustle ...
It was not a Hustle to get money from Boost Loan it took only 30minutes to get money
PrimeLoans
★★★★★
Torture / Harassment
I don't know what to say, i was dismissed in december unfairly salary withheld, my payment was due, unfortunately i was unable to pay ....i have been to ccma, labor department case on going, however i am being tortured, traumatize , harassed by this company. No less than 20 calls a day, and i have explained my situation every time they call...in so much i told one i should record my call and play it everytime they call me coz i have to repeat the same thing everytime..then on what's app chat as.well ...this is killing me...its enough stress i have off not making my rent 2 months that they persist.. I was even asked ifvi cannot borrow from a relative, i rep**** if my relative can't even help me with rent how can they help me pay a loan, the nerve Peliswa had was to ask me how much is my rent...these.peoplecare leading metro a nervous breakdown over R800 i owe them
PrimeLoans
★★★★★
Great loan app
One of the best loan apps I've used. User friendly approval time gets faster with every application money in the bank within minutes. Thank you primeloans
Types of Loans in Johannesburg
Johannesburg borrowers can choose from several loan types. Personal loans offer larger amounts for planned expenses like home improvements or medical bills. Payday loans provide fast, small cash advances repaid on your next salary date. Short-term loans bridge gaps over one to six months. Cash loans from micro-lenders offer quick approval with minimal paperwork. Consolidation loans help combine multiple debts into one repayment. Business loans support Joburg entrepreneurs and small business owners. Emergency loans offer rapid access to funds during unexpected crises. All options are available from NCR-registered lenders operating across the metro.
How to Apply in Johannesburg
Applying for a loan in Johannesburg is straightforward. Most registered lenders offer fully online applications accessible from anywhere in the city — complete the form, upload your ID, recent bank statements, and proof of income, then receive a decision within minutes to a few hours. Funds are typically deposited directly into your bank account. Prefer face-to-face service? Major lenders have branches in areas like Sandton City, Rosebank, Soweto's Dobsonville, Randburg, and the Joburg CBD. Whether you apply online at midnight or walk into a branch during lunch, Johannesburg's lending market accommodates your schedule and lifestyle.
Tips for Johannesburg Borrowers
FAQ — Loans in Johannesburg
Where can I get a loan in Johannesburg?
You can get a loan in Johannesburg from banks, registered micro-lenders, and online lenders. Physical branches are found in areas like Sandton, Randburg, the CBD, and Soweto. Many lenders also offer fully online applications with same-day approval and direct deposits.
Are there micro-lenders in Johannesburg?
Yes, Johannesburg has a large number of NCR-registered micro-lenders offering small to medium cash loans. They are found in most townships, suburbs, and shopping centres across the metro and are popular for quick, accessible lending with flexible income requirements.
How fast can I get a loan in Johannesburg?
Many online lenders operating in Johannesburg approve applications within 30 minutes to a few hours. Once approved, funds are typically paid into your bank account the same day or within 24 hours, depending on your bank and the time of application.
Can I get a loan in Johannesburg with a bad credit record?
Yes, some lenders in Johannesburg specialise in loans for applicants with impaired credit histories. Approval depends on your current income and affordability. Expect higher interest rates, and always confirm the lender is NCR-registered before proceeding with any application.