Loan Wave offers a full range of personal loans to South Africans — from payday loans starting at R500 right up to personal, medical, student, auto, home improvement and business loans of R350,000. Every loan is fully NCR-compliant under the National Credit Act, priced transparently in Rands with no hidden fees, and we work with borrowers across all credit backgrounds, including those declined by traditional banks.
Borrow from R5,000 up to R350,000 for any purpose — debt consolidation, a car, a wedding, school fees or emergency expenses. SA’s trusted online personal-loan provider.
Borrow R5,000 to R350,000 for any healthcare cost in South Africa: hospital deposits, dental work, elective surgery, fertility treatment, optometry or medical-aid gap shortfalls. Funds in your SA bank account within 24 hours.
Borrow R5,000 to R350,000 to cover SA university or TVET tuition, residence deposits, textbooks, laptops or living expenses. Bridge the gap that NSFAS or a bursary doesn’t cover.
Short-term loans from R500 to R8,000 over 30, 60 or 90 days. NCA-capped fees and interest, no hidden charges. Perfect for bridging the gap to your next SA payday.
Borrow R20,000 to R350,000 for any car — new, used, or older than 10 years. Unlike traditional vehicle finance, the car is yours from day one with no bank-held title.
Borrow R5,000 to R250,000 for kitchen renovations, bathrooms, solar PV, security upgrades, garden landscaping or any home improvement project. No collateral required.
Borrow R10,000 to R350,000 for start-up capital, working capital, stock, equipment or expansion. SA entrepreneurs welcome — no business plan or equity required.