Loan ZA | Fast Loans South Africa

1. ACCEPTANCE OF TERMS
   By accessing or using the website loan-za.com and the services offered by LoanZA (Pty) Ltd, you agree to be bound by these Terms and Conditions. If you do not agree, you must not use the Site or our services.
2. NATURE OF OUR SERVICE – IMPORTANT DISCLAIMER
   LoanZA is a loan comparison and introduction platform. WE ARE NOT A LENDER.

We provide an online service that allows you to compare personal loan offers from multiple registered credit providers in South Africa. We act as an intermediary/affiliate.

• Final credit decisions, loan approvals, interest rates, and loan terms are made solely by the individual lenders.
• We do not guarantee that you will be approved for a loan.
• All loans are subject to the lender’s credit assessment and compliance with the National Credit Act (NCA).

1. ELIGIBILITY
   To use our services you must:

• Be at least 18 years of age
• Be a permanent resident or citizen of South Africa
• Have a valid South African ID or passport with valid permit
• Have a valid South African bank account in your name
• Have a regular source of income
• Meet the minimum income and affordability requirements of our partner lenders

1. YOUR RESPONSIBILITIES

• Provide accurate, truthful, and up-to-date information
• Notify us and the lender of any changes to your circumstances
• Read and understand all loan agreements before signing
• Repay any loan according to the terms agreed with the lender

1. CREDIT CHECKS AND CREDIT BUREAUS
   When you submit a loan application, you consent to:

• LoanZA sharing your information with selected partner lenders
• Partner lenders performing credit checks through registered credit bureaus (TransUnion, Experian, XDS)
• The recording of your application on your credit profile

A credit check may temporarily affect your credit score.

6. FEES AND COSTS
   Our service is FREE for consumers. You will never be charged a fee by LoanZA.

Lenders may charge (as permitted under the National Credit Act):

• Initiation fees
• Monthly service fees
• Interest (APR will be clearly disclosed)
• Default administration charges (if applicable)

1. NO GUARANTEE OF APPROVAL OR SPECIFIC TERMS
   LoanZA does not guarantee:

• That you will be approved for a loan
• Any specific loan amount, interest rate, or repayment period
• That funds will be disbursed within a particular timeframe

1. INTELLECTUAL PROPERTY
   All content on this Site is the property of LoanZA or its licensors and is protected by copyright and trademark laws. You may not copy or reproduce content without prior written consent.
2. LIMITATION OF LIABILITY
   To the maximum extent permitted by law, LoanZA shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or services.

Our total liability shall not exceed R1,000 (one thousand South African Rand).

10. INDEMNIFICATION
    You agree to indemnify and hold harmless LoanZA from any claims arising out of your use of the Site, violation of these Terms, or provision of inaccurate information.
11. RESPONSIBLE LENDING & AFFORDABILITY
    LoanZA and all partner lenders are committed to responsible lending in accordance with the National Credit Act. We will never encourage you to borrow more than you can afford.

If you are experiencing financial difficulty, contact a registered debt counsellor or visit www.ncr.org.za or call 0860 627 627.

12. TERMINATION
    We reserve the right to suspend or terminate your access to the Site at any time if we believe you have violated these Terms.
13. GOVERNING LAW AND DISPUTE RESOLUTION
    These Terms are governed by the laws of the Republic of South Africa. Any disputes shall be submitted to the courts of South Africa.
14. SEVERABILITY
    If any provision of these Terms is found invalid, the remaining provisions shall continue in full force.
15. ENTIRE AGREEMENT
    These Terms, together with our Privacy Policy, constitute the entire agreement between you and LoanZA.
16. CONTACT INFORMATION
    General Enquiries: support@loan-za.com
    Legal/Compliance: legal@loan-za.com
    Phone: 010 123 4567
    Address: 124 Main Street, Sandton, Johannesburg, Gauteng, 2196

By continuing to use LoanZA, you confirm that you have read, understood, and agree to these Terms and Conditions and our Privacy Policy.

© 2026 LoanZA (Pty) Ltd. All rights reserved.
Compliant with the National Credit Act & POPIA.