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Phishing Warning

Loan agencies are being target by malicious individuals posing as representatives from financial institutions to extort money from unsuspecting clients, which is called phishing.

Below you can find out everything you need to know about how to identify a phishing scam, and how to protect yourself in the future.

What are phishing scams?

Phishing is a scam designed to gain access to bank accounts. You are asked to disclose your credit card account information, passwords and PINS, etc. Other forms of the scam might have you speaking to scammers posing as official members of your financial service providers. The scammers may ask you to change your PIN or password, claiming that your account has been compromised. Do not trust anyone contacting you on these terms.

Phishing schemes can be stumbled upon via pop-up adverts online, spam e-mail, spam commenting on supposedly “trusted” websites, and even through SMSs and via telephone calls.

How can I avoid phishing scams

Avoid, at all costs, engaging with contact of this nature. Do not give out your PINs, or passwords to anyone under any circumstances.

How can I be sure I’m dealing with the real EC Loans?

We will never contact you via a Gmail, Yahoo, Webmail, or any other e-mail address that is not an official e-mail address. We only accept loan applications through our official website: and we will never force you to apply for a loan or give out your personal details.

This is an image of our official application form located here:

Apply for a Loan
Status Check
How to Apply

Cost of credit and Application Requirements

Our financial service(s)/credit provider(s) offer between R1000 and R100 000,00 loans and are the best method of attending to an unforeseen financial event. Repayments are also tailored to suit your budget and your personal needs, they are also dependent upon your affordability and credit criteria. To apply for a loan you must, be a South African citizen or a permanent resident and 18 years or older with a valid identity document, earn a minimum of R1500 per month, have proof of your current residential address and your own a bank account into which your salary is deposited.

Cost of Credit:
Insurance: 1.25% of monthly opening balance
22.50% Benefit
The Maximum APR is 28% per annum

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