Loan Qualifying Conditions

At EZI Finance, we pride ourselves in maintaining simple loan qualifying conditions that work for everyone, even blacklisted individuals. If you’re searching for a loan that is tailored to your affordability, our team can assist you from the moment you apply through our website. We’re here to help you acquire the personal loan you seek!

When you apply for Personal Loans or Low Credit Score Loans with EZI Finance, the application is reviewed by our capable team. We assess your available monthly finances and also have a few basic loan requirements outlined on our website to make sure we are practicing responsible lending. Our loan qualifying conditions mean that almost any South African citizen with a job and bank account can access a loan with us.

A closer look at our qualifying factors for a loan

If you have a valid South African ID and are under the age of 63, you are well on your way to meeting our loan qualifying conditions. We also require loan applicants to have been employed at their current place of work for more than 6 months and to be earning a basic monthly salary of no less than R3000. Every consideration is in place to guarantee responsible lending on our part.

Any orders against your name for Debt Review, Sequestration, or Administration first need to be removed by the Credit Bureau before you can apply for a loan. This is done following guidelines from the National Credit Regulator (NCR). We work with registered lenders who can assist with loans for blacklisted individuals, which are provided as a secure finance option. Just because your credit score is low, does not mean we can’t grant you access to a cash loan.

We’ve worked with consumers facing unique financial circumstances, by offering loan qualifying conditions that work in their favor. The most important factor that we need to determine is your ability to afford the loan repayments down the line so that your EZI Finance loan does not negatively affect you. Loans can help you out when you fall short in your finances but should not cause you to become over-indebted, which is why we take the steps that we do.

Our loan qualifying conditions and terms allow consumers to access money within their financial means. Whether you’re applying for finance to afford costly medical bills or pay for studies, we make it easy to apply through an uncomplicated process. Expect cash solutions without stress, and start the lending process by completing our online application form.

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