What Loans Are Available?

Do you need a loan for bad credit or a low credit score? EZI Finance offers loans from R5000 (microloans) to R350 000 (consolidation loans). Bad credit shouldn’t stop you from accessing funds when you need them.

We’ll liaise with major banks, credit institutions, and microlending agencies to find the right loan for you, all without multiple hard enquiries.

Scroll down and discover the loans we offer, big and small.

1. Consolidation Loans (reduce your monthly payment by paying only 1 loan, loans for up to R350 000)
2. Personal Loans (easier to obtain than a consolidation loan)
3. Short Term Loans (6 months, and easier to qualify for)
4. Long Term Loans (up to 5 years, lower repay amount and lower interest)
5. Small loans (up to R15,000, and easier to qualify for )
6. Large Loans (up to R1,000,000, with lower interest)
7. Pay Day Loan (up to R8,000, as long as you can afford it)
8. 30 Day Loan (up to R8,000, as long as you can afford it)
9. 90 Day Loan (larger amounts paid back in 3 monthly payments)
10. Cash Loan (custom cash loan solution)
11. Micro Loan (usually under R5, 000, which can be paid back over a short time frame)

What Are The Minimum Requirements For A Loan?

• You need to be a South African citizens with a green bar coded ID.
• You need to be younger than 63 years of age.
• You need to earn more than R3 000 per month (lenders vary)
• You need to be working at your current employer for not less than 6 months (1 month, if the employment is continuous from previous employer).
• Your salary must be paid into your own account, or a joint account in your name.
• You need to be banking with ABSA, FNB, NEDBANK, STANDARD BANK or CAPITEC.
• You cannot apply if you are: TEMP WORKER, DOMESTIC WORKER, SELF EMPLOYED, or if you ONLY EARN COMMISSION.
• You cannot apply if you have the following bank accounts: Mzansi, Money Builder, Student, Sum 1 and any other account which cannot be debited.
• You cannot apply if you cannot afford to take on more debt. You MUST have funds available after your expenses to repay the required loan and fees.
• You cannot apply if you are under or have applied for: Administration, Sequestration, Liquidation or Deb Counselling (Debt Review).

Please note: even if you have a letter stating that the order was removed it MUST be removed from the Credit Bureau before you can apply for a loan.