How fast can I get a loan from loan-za.com?

Most applicants receive a decision within 15 minutes and have funds deposited in their South African bank account within 15–60 minutes of signing. The platform runs 24/7, including weekends and public holidays.

How much can I borrow on loan-za.com?

Borrow from R1,000 to R100,000 depending on your chosen lender and affordability assessment. Lendplus and Crezu offer up to R4,000, MoneyHello up to R25,000, and CreditNice up to R100,000.

Are the lenders on loan-za.com registered with the NCR?

Yes. All lenders — Lendplus, MoneyHello, CreditNice and Crezu — are registered with the National Credit Regulator (NCR) and operate fully under the National Credit Act (NCA).

Can I get a loan with bad credit in South Africa?

Yes. Digital lenders on loan-za.com assess your current income and bank statement activity, not only your historical credit score. Applying to multiple lenders simultaneously gives you the best chance of approval.

What is the maximum interest rate on a loan in South Africa?

The National Credit Act caps short-term loan interest at 5% per month (60% effective APR). All NCR-registered lenders must comply with this cap.

Does comparing loans on loan-za.com affect my credit score?

No. Browsing and comparing lenders on loan-za.com generates zero credit enquiries. A formal credit check only occurs when you submit a direct application to an individual lender.

PRIVACY POLICY - Loan ZA | Fast Loans South Africa

INTRODUCTION
LoanZA (Pty) Ltd (“LoanZA”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website loan-za.com or use our loan comparison and introduction services.

This policy is compliant with the Protection of Personal Information Act 4 of 2013 (POPIA) and, where applicable, the National Credit Act 34 of 2005 (NCA).

INFORMATION WE COLLECT

2.1 Personal Information You Provide

Full name, date of birth, and South African ID number
Contact details (phone number, email address, physical address)
Employment and income information
Bank account details (for disbursement purposes)
Loan requirements and preferences

2.2 Information Collected Automatically

Device information, IP address, browser type, operating system
Usage data and interaction with our website
Cookies and similar tracking technologies
Location data (if you enable it)

2.3 Information from Third Parties
We may receive information about you from credit bureaus (TransUnion, Experian, XDS), our partner lenders, and analytics providers.

HOW WE USE YOUR INFORMATION

To provide and improve our loan comparison and introduction service
To match you with suitable lenders and credit offers
To process your loan applications and facilitate communication with lenders
To verify your identity and assess creditworthiness (via credit bureaus)
To comply with legal obligations under POPIA and the National Credit Act
To send service-related communications and important updates
To prevent fraud and ensure platform security
To analyse usage and improve our website and services (with your consent where required)

SHARING AND DISCLOSURE OF YOUR INFORMATION
We do NOT sell your personal information. We share it only in the following circumstances:

4.1 With Partner Lenders
When you apply for a loan through LoanZA, we share relevant information with the lender(s) you have selected.

4.2 Service Providers
We work with trusted third-party service providers for website hosting, analytics, SMS/email delivery, and identity verification.

4.3 Legal Requirements
We may disclose your information if required by law, regulation, or court order.

DATA SECURITY
We implement appropriate technical and organisational measures including:

256-bit SSL/TLS encryption for all data in transit
Secure servers and regular security audits
Strict access controls and staff training

DATA RETENTION
We retain your personal information only for as long as necessary:

Application data: 5 years after last interaction (as required by NCA)
Marketing consent records: Until you withdraw consent

COOKIES AND TRACKING TECHNOLOGIES
We use essential cookies, analytics cookies, and marketing cookies. You can manage cookie preferences through your browser settings.
YOUR RIGHTS UNDER POPIA
As a data subject in South Africa, you have the following rights:

Right of access: Request a copy of the personal information we hold about you
Right to correction: Request correction of inaccurate information
Right to deletion: Request deletion of your personal information
Right to object: Object to processing for direct marketing
Right to withdraw consent
Right to complain to the Information Regulator

To exercise these rights, contact: privacy@loan-za.com

THIRD-PARTY LINKS
Our website may contain links to third-party websites. We are not responsible for their privacy practices.
CHILDREN’S PRIVACY
Our services are not intended for individuals under the age of 18.
CHANGES TO THIS PRIVACY POLICY
We may update this policy from time to time. The updated policy will be posted with a new “Last updated” date.
CONTACT US
Email: privacy@loan-za.com
Phone: 010 123 4567
Address: LoanZA (Pty) Ltd, 124 Main Street, Sandton, Johannesburg, 2196

You can also lodge a complaint with the Information Regulator of South Africa: www.justice.gov.za/inforeg