CASH loans up to
R 120 000.00
Blacklisted or Bad Credit and need Cash? Get Unsecured Loans up to R120,000 with NO Upfront Fees. Over 30 years of helping South Africans!
Only start paying your FIRST installment at the end of APRIL 2025!
personal loans WITHIN 24 hours
Blacklisted? Bad Credit? Need extra cash? Apply for an Unsecured Loan today no upfront fees! With 30+ years of experience, we help South Africans get Personal Loans up to R120,000.00
Enjoy competitive interest rates, fixed monthly repayments, and a hassle-free secure online application process. With flexible repayment terms, a variety of Loan options, and quick funds deposited directly into your account, borrowing has never been easier!
YOUR NATIONWIDE PARTNER WITH OVER 30 YEARS OF EXPERTISE IN SECURING LOANS UP TO R120,000
Fast & Hassle Free Loan Applications
At EC Online Loans, we take pride in specializing in securing personal loans of up to R120,000 for clients across South Africa, offering assistance to anyone, regardless of their credit history.
Whether you are blacklisted, dealing with bad credit, or simply in need of quick financial relief, we are dedicated to finding the right loan solution for you. Our hassle-free application process is designed to provide peace of mind, allowing you to apply with confidence, knowing there are no upfront fees involved.
With over 30 years of experience in the credit industry, we have the expertise to match you with a loan that meets your unique needs, helping you move one step closer to achieving financial stability and freedom.
Your Trusted Partner In Financial Solutions
With 18+ years as a trusted brokerage, we streamline the loan process for clients across South Africa. Partnering with expert consultants and NCR-compliant lenders, we ensure loans meet your needs and affordability. Beyond loans, we provide guidance to help you manage debt and regain financial freedom. Apply today and get funds in your account within 24 hours!
A Variety Of Loan Options Tailored To Your Needs
We offer various loan options, including personal, secured, unsecured, payday, and blacklisted loans. Our loans come with competitive interest rates, fixed repayments, and flexible terms. Funds are paid directly into your account for quick access. With our NCR-registered lenders, we find a loan that suits your financial needs.
Cost Of Credit & Application Requirements
We offer between R 1000 and R 120 000,00 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 R 1500 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
What We Offer
- Very Competitive Interest Rates
- Fixed Monthly Repayments
- Hassle-Free Online Application
- Flexible Repayments
- Variety of Loan Options
- Funds Paid directly into your Account
WE DON’T CHARGE UPFRONT FEES
Once the Application is Received we will email you within 24 hours to confirm your details. A Debi-Check will be sent to confirm all your Personal Details is correct. This will help us speed up the process and make sure the money gets to the correct Account.
NO Transaction will go of your account until we have processed your loan and you only start paying at the end of the month.
We don’t require any Original Documents to process your loan
how does it work?
1. Click Apply
Getting started is simple! With just one click, you can begin your journey toward financial relief. Our easy-to-use online platform makes applying for a personal loan fast and hassle-free. Click "Apply" today and take the first step toward securing the funds you need.
2. Complete Application
Filling out our application form is quick and straightforward. Provide a few basic details, and we’ll handle the rest. We value your time, so we’ve streamlined the process to ensure you can complete it in minutes, with no unnecessary paperwork or stress.
3. Funds Within 24 Hours
Once approved, your funds will be transferred directly to your account within 24 hours. Whether it’s an unexpected expense or a planned purchase, we ensure you get the money you need—fast. Your financial peace of mind is our priority.
get your personal loan today - up to R 120,000.00
Implications of Non Payments
Minimum loan period 12 months Maximum loan period 60 months. Maximum APa
There should only be initial cost if your monthly debit order was unsuccessful as a result of insufficient funds or changing bank accounts without prior notice to the service provider. The service provider will try to contact the client in order to resolve the problem.
If the client can’t be found or the problem can’t be solved, it would be handed over to the internal collections department to see if a solution to the problem can be found. If an agreement can’t be reached, the lender can make use of an external collections company or an attorney.
This will lead to an increase in fees and interest. This will have a big influence on the clients credit score and it will be very difficult to get any more credit from any loan provider.
Monthly premiums for loan repayments will be done by direct debit order collection from the clients bank account. Unsuccessful debit order collections may result in the client being charged a fee by his own bank for the unsuccessful transaction.
Maximum APR 32% per annum. Representative example: Loan amount R100 000, terms: (Annual Percentage Rate) 28%, monthly service fee R68.40, monthly repayment R4558.00. The interest rate will depend on the loan amount, loan term, and credit profile of the applicant.
Annual Percentage Rate
Minimum loan period 12 months Maximum loan period 60 months. Maximum APR 32% per annum. Representative example: Loan amount R100 000, terms: (Annual Percentage Rate) 28%, monthly service fee R68.40, monthly repayment R4558.00. The interest rate will depend on the loan amount, loan term, and credit profile of the applicant.
Renewal Policy
If a client is up to date with his loan repayments, they may qualify for a second or third loan depending on the criteria as set by the loan company. The client will have to apply again and the loan provider will look at the clients profile, affordability, etc. The loan provider will then make a decision based on the rules and regulations as set by the NCR.