Compare loans, credit cards and banking in South Africa

CreditDeals is an independent comparison platform for the South African financial market. We collect and contrast personal loans, credit cards, home loans (bonds), fixed deposits, debit cards and business banking products from banks and credit providers regulated by the South African Reserve Bank (SARB) and registered with the National Credit Regulator (NCR), so you can find clear terms without visiting dozens of websites.

South Africa's credit framework is governed by the National Credit Act (NCA), which requires lenders to disclose the total cost of credit and conduct affordability assessments before granting finance. Credit records are held by bureaus including TransUnion, Experian and Compuscan (XDS). When comparing products, focus on the APR (annual percentage rate) and the initiation fee, not just the advertised interest rate.

On CreditDeals you can compare limits, terms, rewards programmes and income requirements from FNB, Capitec, Standard Bank, Absa, Nedbank, African Bank, Tyme Bank, Discovery Bank and NCR-registered short-term lenders such as Wonga SA, Boodle and Capfin — all in one place with up-to-date product sheets.

Our catalogue covers payday and short-term loans from a few hundred rand, personal loans up to R350,000 or more, credit cards with eBucks, UCount, Greenbacks and Absa Rewards, fixed and notice deposits linked to the SARB prime rate, home loans over 20–30 years, and business accounts for sole proprietors and Pty Ltd companies. Each listing includes verifiable parameters and a direct link to the provider's application page.

Before you sign, ensure the monthly instalment fits within the NCA affordability guidelines — typically no more than one-third of your net household income. Short-term loans carry high APRs and are meant for urgent, short-duration needs only. Late payments attract penalty interest and damage your credit bureau profile, making future borrowing more expensive or harder to obtain.

The CreditDeals.io editorial team regularly reviews South African product data against official NCR registers and bank websites, and publishes verified user reviews. We are an informational aggregator: we are not a bank or credit provider, we do not guarantee approval of any application, and we do not provide financial, tax or legal advice. Always confirm current terms with the provider before signing a credit agreement.