Loans for everyone – Despite credit score

Bad credit or low credit score? We want to give you a second chance! We compare up to 10 banks and lenders with one application. Check what kind of loan offers you get. You will receive offers immediately!

  • Low interest rates
  • Quick loan offers and payment
  • Free application without commitment

Facing financial hurdles with a tarnished credit score? You’re not alone.

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.

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%.

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

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.

Send your application now!

Arcadia Finance Compare Loans
Choose your loan amount



How much do you need and for how many months? Specify your desired loan amount, repayment time and insert your email and cellphone number (you will receive your offers on these).

Fill in the loan application



The loan application includes questions related to you and your credit history, to find the most suitable loan offers for you. Fill in all application details with care as we will send it over to a number of different banks and lenders for review.

Receive your loan offers



You will receive most of your loan offers immediately after applying. Compare the loan offers by interest rate, cost and terms. You are free to accept or decline the offers as you please.

Get your loan easily through Arcadia Finance. Applying won’t cost you anything, and you have the choice of 10 reputable lenders. Each lender follows the regulations laid out by the National Credit Regulator in South Africa.

Frequently Asked Questions

What does it mean to have a bad credit score?

A bad credit score indicates a history of not meeting financial obligations, making lenders see you as a higher risk.

Can I get a loan despite a bad credit score?

This totally depends on the lenders. We will send your application to over 10 lenders to get the best possible outcome for you.

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.

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.