MoneyHello

Some panel lenders focus on lower credit scores, but the NCA still requires an affordability assessment for every loan. Recent missed payments shrink your matched-offer pool.

Matching uses a soft search only. The lender you choose runs a hard pull when you formally accept its offer.

No. Affordability verification under the NCA requires at minimum three months' bank statements or recent payslips.

Up to R250,000 on the personal-loan tier; short-term tiers typically start much lower, from around R500.

Only when each lender's affordability test passes on its own. Multiple simultaneous applications raise decline risk.

Not reliably at present. Most panel lenders require salaried income, and MoneyHello lists no lenders that approve solely on a SASSA grant.

Yes. The online application works nationwide, and funds reach any South African bank account, including TymeBank and Discovery Bank, which many rural users choose for easier access.

Most expire within 7–14 days. Check the validity date on the offer before you delay.

102.14%, per published statutory disclosure — the highest end of the panel's short-term range, not a typical rate for larger, longer-term loans.

Start with the lender using details in your credit agreement. If that fails, contact the National Credit Regulator at 0860 627 627 or ncr.org.za.

Yes, though repeated applications in a short period without a genuine change in circumstances are less likely to generate new matches.