Loans up to R350 000 with low interest

Arcadia Finance helps you in the search for online loans from different banks and lenders through our loan broker partners. Fill in a free application and get loan offers from up to 19 banks and lenders.

• Quick loan offers and payment
• No impact on your credit score
• Free application – Get approved today

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Compare top lenders

Together with our partners, we provide access to up to 19 reputable banks and lenders. Explore offers tailored to your needs and choose the most suitable offer. Each lender abides by the regulations outlined by the South African National Credit Regulator (NCR).

How much do you need?

R 100R 200R 300R 400R 500R 600R 700R 800R 900R 1 000R 1 100R 1 200R 1 300R 1 400R 1 500R 2 000R 2 500R 3 000R 3 500R 4 000R 4 500R 5 000R 6 000R 7 000R 8 000R 9 000R 10 000R 11 000R 12 000R 13 000R 14 000R 15 000R 16 000R 17 000R 18 000R 19 000R 20 000R 25 000R 30 000R 35 000R 40 000R 45 000R 50 000R 60 000R 70 000R 80 000R 90 000R 100 000R 110 000R 120 000R 130 000R 140 000R 150 000R 160 000R 170 000R 180 000R 190 000R 200 000R 210 000R 220 000R 230 000R 240 000R 250 000R 260 000R 270 000R 280 000R 290 000R 300 000R 310 000R 320 000R 330 000R 340 000R 350 000

Repayment period

6 months7 months8 months9 months10 months11 months12 months13 months14 months15 months16 months17 months18 months19 months20 months21 months22 months23 months24 months25 months26 months27 months28 months29 months30 months31 months32 months33 months34 months35 months36 months37 months38 months39 months40 months41 months42 months43 months44 months45 months46 months47 months48 months49 months50 months51 months52 months53 months54 months55 months56 months57 months58 months59 months60 months61 months62 months63 months64 months65 months66 months67 months68 months69 months70 months71 months72 months

Monthly repayment

R 211

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✔ Over 2 million South African's have chosen Arcadia Finance

*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 R1232.82 per month.
Loan amount R100 - R350 000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.

We work with Myloan.co.za. A leading loan marketplace in South Africa.

Compare loans online in 3 easy steps

Fill in our application

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

Choose a loan offer

Based on your responses, you will receive a variety of personalised offers from up to 19 lenders.

Get your money

You are free to accept or decline the offers as you please. The offers are non-binding.

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 your monthly income

What is Arcadia Finance?

Arcadia Finance helps South Africans in the search for loans from different banks and lenders through our loan broker partners. We provide access to up to 19 reputable banks and lenders. By completing our 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. We only work with trusted loan brokers who collaborate with NCR licensed banks and lenders in South Africa.

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Why choose Arcadia Finance?

100% Online

With Arcadia Finance, you can apply online 24/7 from anywhere in South Africa. It’s fast, secure, and built for your convenience.

Fast

Our streamlined process ensures you can apply and receive approval in just minutes. We’re committed to efficiency, knowing that time is often of the essence in financial matters.

Convenient

Arcadia Finance makes it easy to compare loan offers from over 19 banks with one quick online application. Check rates, terms, and benefits, all in one place.

100% online

Apply for your loan fully online: Quick, easy, and secure. No paperwork, no queues. Enjoy a smooth digital process with top-level data protection from start to finish.

Non-binding

Compare loan offers from over 19 banks with one easy application. You’re free to accept or decline—no obligations, no pressure. Review and choose the option that suits your budget and goals. It’s your choice, on your terms.

Safe

We take your privacy seriously. That’s why we use top-level encryption and strong data protection to keep your personal info secure. From the moment you apply to after you get your loan offer, your data is protected. Our system is always updated to block any threats.

What to Know Before Applying for an Online Loan

Before you apply for a loan, it’s essential to understand the full terms and conditions that come with it. Below are a few important points to consider to help you make a responsible financial choice:

• Interest rates: Always check the interest rate so you know exactly how much you’ll end up paying back over time.
• Repayment terms: Make sure the repayment schedule suits your monthly budget and doesn’t put unnecessary strain on your finances.
• Extra charges: Look out for any once-off admin fees or penalties for late payments.

If you’re applying for a loan with a low credit score, keep in mind that the interest rate might be higher, and there could be extra charges involved. Always go through the terms and conditions properly before signing anything.

Already have one or more loans?

If you’re currently paying off one or more loans, you might want to consider switching to a new loan. This could help you qualify for a lower interest rate or reduce your monthly costs, which means more money in your pocket.

By combining your existing loans into one, you can simplify your repayments and potentially save on fees and interest.

Consolidate Your Loans

Types of online loans we help you compare

Same day loans

Same day loans provide fast access to cash, often paid out within hours, making them ideal for emergencies or urgent bills.

Short-term loans

Short-term loans in South Africa are ideal for covering unexpected expenses, offering quick access to cash but usually with higher interest rates.

Instant loans

Instant loans are designed for speed, with online applications approved within minutes and funds transferred shortly after.

Cash loans

Cash loans provide quick access to money, often paid out directly into your bank account to help cover short-term financial gaps.

Personal loans

Personal loans offer flexible financing for various needs, from home improvements to debt consolidation, with fixed repayment terms and competitive interest rates.

Payday loans

Payday loans are short-term loans meant to tide you over until your next salary, offering quick cash for urgent expenses.