Updated September 29, 2026 · BorrowCue Editorial Team

Top home improvement loans compared in South Africa

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top home improvement 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	Discovery Bank Join Discovery Bank and get 75% off Virgin Active gym fees	9.2/10		Loan amount: ZAR 15,000 to ZAR 500,000 Term: 6 to 72 months Arrangement fee: Once-off credit initiation fee set by National Credit Act guidelines (amount confirmed in offer), plus R69 monthly credit service fee	Review Compare See alternatives
3	NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR	9.2/10	Fixed rate	APR: 7.47% to 8.01% Loan amount: up to €35,000 Term: 120 months	Review Compare See alternatives
4	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
5	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
6	ProCredit Bank Kosovo Hap llogari dhe Fito Menjëherë (open an account and win immediately)	9.0/10	Same day funding	Loan amount: up to €10,000 Credit check: Hard Funding time: Loan in about 3 minutes, fully online, money credited to the account immediately	Review Compare See alternatives
7	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
8	EZLendr	8.9/10	Fixed rate	APR: 7.03% Loan amount: $200,000 Term: 360 months	Review Compare See alternatives
9	Ledn	8.9/10	Same day funding	APR: 9.25% to 11.49% Loan amount: from $500 Term: 12 months	Review Compare See alternatives
10	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

Licensed in South Africa

Discovery Bank: Financial Services Conduct Authority (authorised financial services provider)
Discovery Bank: National Credit Regulator (registered credit provider)
Absa: National Credit Regulator (NCR)
Absa: South African Reserve Bank (SARB)

Top home improvement loans compared in South Africa

Licensed in South Africa

Browse by category

Other countries

Top home improvement loans compared in South Africa

Licensed in South Africa

Browse by category

Other countries

Your cookie choices