Updated September 28, 2026 · BorrowCue Editorial Team

Top debt consolidation loans compared in South Africa

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

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Top debt consolidation loans compared in South Africa
#	Lender	Score	Features	Key facts	Actions
1	OneMain FinancialTop pick	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
2	LendingPoint	9.1/10	Fixed rate	APR: 7.99% to 35.99% Loan amount: $1,000 to $36,500 Term: 24 to 72 months	Review Compare See alternatives
3	Absa	9.0/10	Same day funding	APR: 13.75% Loan amount: ZAR 3,000 to ZAR 350,000 Term: 12 to 84 months	Review Compare See alternatives
4	Creditio	8.8/10	Same day funding	APR: 3% to 36% Loan amount: €100 to €500,000 Term: 2 to 240 months	Review Compare See alternatives
5	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
6	Hoopla Loans	8.5/10	Same day funding	APR: 20% Loan amount: ZAR 100 to ZAR 8,000 Term: 3 to 60 months	Review Compare See alternatives
7	uApply	8.5/10	Fixed rate	APR: 10% to 25% Term: 6 to 60 months Arrangement fee: 0 ZAR	Review Compare See alternatives
8	MyUSAFinance	8.4/10		APR: 5.99% to 35.99% Term: 0.5 to 84 months Arrangement fee: 8% of loan amount ($400 on $5,000)	Review Compare See alternatives
9	Arcadia Finance	8.3/10	Same day funding	APR: 28% Loan amount: ZAR 100 to ZAR 250,000 Term: 6 to 72 months	Review Compare See alternatives
10	Debt Rescue	Not rated		Arrangement fee: R350 excl. VAT one-time application fee (NCR-regulated), included in the restructured monthly instalment Lender type: Broker Eligibility: South African consumers who are over-indebted and cannot meet their credit obligations as they fall due; site users must be at least 18	Review Compare See alternatives