Win with EC Loans!

Need your loan approved fast?
You can have the money you need in your account just hours after your loan application is approved



Our unsecured online loans are designed to let you get the money you need quickly and have you pay your loan off on a short-term basis. This means that you can quickly and smoothly resolve your debts or bad credit with a loan and choose a repayment period that suits your everyday expenses.

We offer a selection of unsecured loans to get your out of difficult financial situations

Get a Loan When You Need it With EC Loans

Bad Credit Loans

If you have a poor credit score or no credit history, a bad credit loan is the ideal financing for you. This type of loan is designed for people interested in investing or purchasing something they cannot afford immediately, but cannot get financing from a traditional institution because of their credit history.



Cash Loans

This option is ideal for those seeking an advance on their salary. You might be having a tough month and need a short-term cash injection to tide you over before payday.



Prescribed Debt Loans

Don’t let your prescribed debt slow you down. Start getting on the track towards a good credit record and financial freedom with a prescribed debt loan.


When the bank says no, we aim to say yes!

Whatever your needs, we have you covered. Apply for an unsecured loan with EC Loans and you could have the money you need in your account in a few hours. Find out about our cash loans on offer.

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How to Apply

Cost of credit and Application Requirements

Our financial service(s)/credit provider(s) offer between R1000 and R100 000,00 loans and are the best method of attending to an unforeseen financial event. Repayments are also tailored to suit your budget and your personal needs, they are also dependent upon your affordability and credit criteria. To apply for a loan you must, be a South African citizen or a permanent resident and 18 years or older with a valid identity document, earn a minimum of R1500 per month, have proof of your current residential address and your own a bank account into which your salary is deposited.

Cost of Credit:
Insurance: 1.25% of monthly opening balance
22.50% Benefit
The Maximum APR is 28% per annum

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