Terms and Conditions

1. About this site

LoanRating.co.za is a free loan comparison platform. We help South African consumers compare loan products by gathering publicly available information about credit providers and presenting it in an accessible format. We are not a credit provider, bank, financial adviser or intermediary.

2. Acceptance of terms

By accessing and using LoanRating.co.za, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the site.

3. No financial advice

Nothing on this website constitutes financial, credit, legal or tax advice. The information we provide is for general informational and comparison purposes only. You should consult a registered financial adviser before making any credit decisions.

Loan terms, interest rates, fees and eligibility requirements displayed on LoanRating.co.za are gathered from publicly available sources and may change without notice. Always verify current terms directly with the credit provider before applying.

4. Accuracy of information

We make reasonable efforts to keep information accurate and up to date, but we do not guarantee the completeness, reliability or accuracy of any content on this site. Credit terms, ratings and reviews are provided "as is" without warranty of any kind.

5. Our ratings

The scores and rankings displayed on LoanRating.co.za are calculated using our own methodology based on publicly available data including customer reviews, loan conditions and provider information. These ratings reflect our independent assessment and do not represent an endorsement or guarantee of any credit provider.

6. Third-party links and referrals

LoanRating.co.za contains links to third-party websites operated by credit providers. When you click a link and leave our site, you are subject to the terms and privacy policies of that third-party site. We are not responsible for the content, products, services or practices of any linked third-party website.

We may receive compensation from credit providers when you click on referral links or apply for a product through our site. This does not affect the information we display or the order in which products appear, except where clearly marked.

7. User reviews

Customer reviews displayed on LoanRating.co.za are sourced from third-party review platforms. We present these reviews for informational purposes and do not verify the identity of reviewers or the accuracy of individual reviews. The views expressed in reviews are those of the individual authors and do not represent the views of LoanRating.co.za.

8. Limitation of liability

To the maximum extent permitted by South African law, LoanRating.co.za and its operators shall not be liable for any direct, indirect, incidental, consequential or special damages arising from your use of this site, including but not limited to financial losses resulting from credit decisions made based on information found on this site.

9. Intellectual property

All content on LoanRating.co.za, including text, graphics, logos, ratings and software, is the property of LoanRating.co.za or its content suppliers and is protected by South African and international copyright laws. You may not reproduce, distribute or republish any content without prior written consent.

10. Governing law

These Terms & Conditions are governed by the laws of the Republic of South Africa. Any disputes arising from the use of this site shall be subject to the exclusive jurisdiction of the South African courts.

11. Changes to these terms

We reserve the right to update these Terms & Conditions at any time. Changes will be posted on this page with a revised date. Continued use of the site after changes constitutes acceptance of the updated terms.

12. Contact

Questions about these terms can be directed to: info@loanrating.co.za