Updated September 30, 2026 · BorrowCue Editorial Team

Top loans for bad credit compared in South Africa

17 lenders available in South Africa, ranked for South Africa.

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Top loans for bad credit compared in South Africa
#	Lender	Score	Features	Key facts	Actions
1	Alt LendingTop pick	9.4/10	Fixed rate	APR: 3% Arrangement fee: 0 Credit check: Soft prequal	Review Compare See alternatives
2	OneMain Financial	9.3/10	Fixed rate Same day funding	APR: 11.99% to 35.99% Loan amount: $1,500 to $30,000 Term: 24 to 60 months	Review Compare See alternatives
3	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
4	OnDeck	9.0/10	Fixed rate Same day funding	APR: 53.2% to 59.8% Loan amount: $5,000 to $400,000 Term: 18 to 24 months	Review Compare See alternatives
5	Chartwell	8.9/10	Same day funding	Loan amount: £5,000 to £500,000 Term: 12 to 72 months Arrangement fee: Broker arrangement fee may apply	Review Compare See alternatives
6	Crezu MX First loan with no cost for new users: 0% interest and fees on the first loan for new users	8.8/10	Same day funding	APR: 0% to 36% Loan amount: MX$100 to MX$20,000 Term: 3 to 4 months	Review Compare See alternatives
7	Giraffy	8.8/10	Fixed rate	APR: 7% to 35% Loan amount: $2,000 to $50,000 Term: 24 to 84 months	Review Compare See alternatives
8	1West	8.8/10		Loan amount: $5,000 to $1,000,000 Term: 2 to 24 months Funding time: 48 hours	Review Compare See alternatives
9	Lendplus.co.za	8.7/10	Fixed rate Same day funding	APR: 60% Loan amount: up to ZAR 4,000 Term: 3 months	Review Compare See alternatives
10	Letocredit Special offer - up to 5 000 rands at 0.01%: up to 5 000 rand at 0.01%	8.7/10	Same day funding	APR: 0% to 36% Loan amount: ZAR 500 to ZAR 15,000 Term: 2 to 12 months	Review Compare See alternatives