We connect you with South Africa’s top lenders. Easily compare loans & interest rates. Apply online to get your loan approved today. All our lenders are registered with the National Credit Regulator (NCR).

Why Choose Us?

Apply Online & Compare.

Save time & apply online in under 2 minutes! We match you with the best loan offers for you to compare & choose.

100% Free Service. Zero Fees.

Think Finance is completely free to use for all South Africans. Financial information is honest and presented according to your personal needs.

SA's Top Lenders.

We match you with South Africa’s top, accredited lenders. Simply apply for the loan you need, select your repayment term, and sit back, relax and let us do all the heavy lifting for you.

Personal Loans

Let us help you find and compare the best personal loans from R5 000 - R150 000 and choose how you want to spend it.

Short-term Loans

Simple 1-2-3 process to find a personalised short term loan, with best interest rates available. Same-day approval.

Vehicle Finance

Simply apply & compare for the best vehicle finance that suits your needs. Make your dream car a reality today.

We Can Help You When Nobody Else Can!

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Frequently Asked Questions

Find quick answers to common questions using our helpful FAQs.

2. What are the basic criteria?

You need to:

  • Be 18 years of age or older
  • Be a citizen of South Africa
  • Have a min monthly income of R1500 pm
  • Have a South Africa bank account

3. What supporting documents do I need?

You will need to provide:

  • Proof of residence
  • Copy of you SA ID or passport
  • Last 3 months certified bank statements
  • Last 3 months payslips

4. Is it safe to give all the required information to Think Finance?

Yes, it definitely is. Please feel free to visit our privacy policy, where you can find out more about what we do with your information.

5. What are the implications of non payment?

Non-payment of your account could result in a service fee charge of up to R60, and an increase of 5% interest for every month outstanding. Should you fail to make payment for two months, your account will be regarded as in arrears and be handed over to an external debt collection company.

Please note: Not repaying your loan on time will reflect poorly on your credit profile. This will have a negative impact on your overall credit rating, which might make it more difficult to qualify for any future loans at any authorised credit provider.

Getting Started

Start your online application today. Quick and easy 2 min application.

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Ask an Expert

If you are not sure and want more information, please feel free to contact our friendly support.

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Additional Important Information

Annual Percentage Rates

Loan repayment terms range from 6 to 72 months. The maximum interest rate our lenders will charge is 28.00% per annum (compounded monthly).

Each client’s rate and initiation fee are calculated according to their specific risk profile.

An illustrative example of a loan at an interest rate of 28% per annum would be: Loan amount R50 000 plus a once-off initiation fee of R1 155.50 and a monthly admin fee of R79.00, over 72 months.

The total cost of the loan will be R 110 256.12 which is a maximum Annual Percentage Rate (APR) of 28%.

Renewal Policy

Should you be up to date with your loan repayments, you may be considered for an additional loan depending on the loan requirement.

To do so you will have to complete a new application, at which point the loan provider will look at your risk profile, affordability etc.

The lender will then make a responsible decision based on the rules and regulations as set by the NCR.