Arcadia Finance Loans South Africa

Loans up to R250 000 with low interest

Arcadia Finance helps you in the search of loans from different banks and lenders. Fill in a free application and get loan offers from up to 10 lenders. We work with well-known, trusted and NCR licensed lenders in South Africa.

  • Loan offers from up to 10 banks and lenders
  • Quick application and payment
  • Free application without commitment

10+ NCR certified banks and lenders

How much do you need?
*Representative example: Estimated repayments of a loan of R30,000 over 36 months at a maximum interest rate including fees of 27,5% APR would be R1,232.82 per month.

Loan amount R100 - R250,000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.

You will receive your loan offers immediately after filling up the loan application. Check what kind of loan offers you will get!

Who can apply for a loan?

  • You are over 18 years old
  • You are employed and employment has lasted for more than 6 months
  • Your loan should not be more than 8 times larger than your monthly income


Fill in our short loan application in minutes. Just enter your details and choose your desired loan amount.


We will send your application over to a number of different banks and lenders for review.


You’ll receive personalized offers based on your responses, giving you a variety of choices. You are free to accept or decline the offers as you please.

Why use Arcadia Finance?

  • 100% online: The whole application process is done online.
  • Fast: Apply and get approved within minutes.
  • Convenient: Compare over 10 banks with one application.
  • Non-binding: You decide if you want to accept or decline your offers.
  • Safe: Your personal data is safe with us – read more here.

What is Arcadia Finance?

Arcadia Finance is a free service that helps you in the search of loans by connecting you to a variety of different banks and lenders with one loan application. By filling up the loan application you will get multiple loan offers, which you can compare and select the most suitable offer. The service we offer is completely free of charge and you will not commit to anything by requesting for loan offers via Arcadia Finance.

The loan application is free, and you can pick from a variety of 10 respected lenders. Each lender follows the regulations set by the National Credit Regulator in South Africa.

After submitting your loan application to us, we will send it over to a number of different banks and lenders for review. Within minutes, you’ll receive a variety of loan options that are available for you. Select the one that best fits your needs.

Remember, all offers are no-binding, so if you don’t find what you’re looking for, you’re free to decline.

Frequently Asked Questions

What is Arcadia Finance?

Arcadia Finance is an online loan broker and not a lender. Our service is free, and we work with NCR licensed lenders in South Africa. Interest rates charged by lenders can start as low as 20% APR, including an initiation and service fee determined by the lender. The interest rate offered depends on the applicants’ credit score and other factors at the lender’s discretion.

Will searching for a loan affect my credit score?

Searching for a loan with Arcadia Finance will have no to minimal effect on your credit score. What affects your credit score the most is how you handle your loan repayment.

Will I be accepted for a loan?

This totally depends on the lenders. If you have a good credit history and earn enough to cover the repayment terms, there shouldn’t be any problem getting a loan.

What types of loan are available?

Arcadia Finance currently offers unsecured loans including payday loans. We may offer other financial instruments at a later stage.

How much can I borrow?

You can apply for up to R250 000 through Arcadia Finance.

How long can I borrow for?

Our current partners offer a maximum tenure of 72 months for an unsecured loan.