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Types of Loans


We offer a number of types of loans, specifically a selection of unsecured loans, to get you out of difficult financial situations. While the difference between secured and unsecured loans is slight on paper, this difference is the bridge between getting a tricky financial situation and getting your financial freedom back!

Secured Loans

A secured loan is a loan which is backed by assets belonging to the borrower in order to decrease the risk assumed by the lender. The assets may be forfeited to the lender if the borrower fails to make the necessary payments. The item purchased, such as a home or a car, can be used as collateral, and a loan can be placed on such purchases. The finance company or bank will hold the deed or title until the loan has been paid in full, including interest and all applicable fees. Other items such as stocks, bonds, or personal property can be put up to secure a loan as well.

Please Note: EC Loans does not offer secure loans. If you are interested in applying for a secure loans visit our partner EC Online Loans.

Unsecured Loans

Unsecured loans are monetary loans that are not secured against the borrower’s assets. We offer a series of cash loans for many different situations where an unsecured loan is required. Find out more about the cash loans we have on offer:

Bad Credit Loans | Cash Loans | Prescribed Debt Loans

When the bank says no we aim to say yes! Already know which loan you need?
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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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