Rating based on 8 reviews

EC Loans


  • Loans bad credit up to R120,000
  • Low-interest starting from 28%
  • Repayment up to 84 months

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EC Loans homepage

Author EC Loans. Screenshot of EC Loans website. [Accessed March 7, 2020]

About EC Loans

EC Loans are your helping hand when you need finance fast. We offering a variety of convenient online personal loans that you can apply for.

We offer fast-tracked approval for loans of up to R120 000 irrespective of your credit score or whether you have been blacklisted, and you can easily apply today by completing an online application for the amount of money you need.

Why use EC Loan applications?

At EC Loans we are completely transparent and a registered financial services provider that you can deal with in full confidence. As long as you can provide all the necessary details accurately proving you can service your loan there is no reason you should be declined. South Africans will find we offer exceptional interest rates and repayment terms to make sure that you can manage payments easily which helps rebuild a bad credit record if you have one.

What type of loans can you apply for?

There are many different options in online personal loans to choose from ranging from unsecured quick money loans to business loans. At some time or another, you may need cash to solve a financial crisis, consolidate your debt if you are struggling to manage your budget or even money to go on a much needed holiday.

What EC Loans can offer you

While online personal loans are easy to apply for in a seamless paperless way, it is vital to firstly work out how much you need and the amounts you will have to pay back each month.

Use our handy online calculator to work out what you need in finance and once you are satisfied to follow the simple step by step way to submit your application online.

Our loans may be the better solution

South Africans that have been declined by other financial institutions will be delighted that EC Loans are different and if you are permanently employed and can prove that you can pay your loan instalments, there is no reason you will be declined with us.

Beware of loan scams

When it comes to online quick loans there are many scams and loan sharks out the charging exorbitant rates of interest and difficult repayment terms. It is important to do research on the company you are dealing with first and make certain to fully read their terms and conditions for the personal loans you want to apply for so that you have peace of mind of dealing with legitimate loan providers.

EC Loans Loans bad credit

  • Loan Type Loans bad credit
  • Interest Rate from 28%
  • Loan Amount up to R120,000
  • Repayment 12 months to 84 months

Benefits of EC Loans

  • Loans from R1000 to R120 000
  • Repayment terms between 12 and 84 months
  • Unsecured and blacklisted Loans
  • Easy online approval
  • 90% approval rate

Loans bad credit calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Choose the type of loans you need with and apply today

When people are in a financial crisis it can mean being in a hurry to apply for fast cash, and this can more than likely end up with getting a negative result for your personal loans.

There are many different types of bad credit loans but the main two categories are unsecured quick money loans and secured and secured loans. Secured loans are for blacklisted individuals and those with poor credit ratings, and you may have to provide collateral for these types of loans.

Choose the right loan

With unsecured loans, on the other hand, all you need to show is proof of income a permanent residence and a clean credit record. In today’s difficult times many South Africans have tarnished credit records from being overburdened with debt and some are blacklisted only finding this out after applying for credit.

At EC Loans it does not matter what the circumstances are South Africans will discover we do everything possible to get you the suitable finance you need. Read the instructions and understand what documents and personal details you need to make your application simple and easy.

Apply online today

Your first step when applying for online personal loans is to carefully work out the amount of money you wish to borrow and use the loan calculator check out what repayments will be each month.  It is tempting to borrow more than you need but at the end of the day, this will increase the amount of your instalments.

When you are ready click apply and complete the fields online accurately until the final submission page.

Fast easy finance from EC Loans

Read useful information on our website that will help you become an informed and confident lender. Our online personal loans include:

  • Unsecured loans
  • Bad credit loans
  • Business loans
  • Blacklisted loans and quick money loans.

Once you are ready to complete the application process click apply now and read each form carefully before submitting and moving on to the next pages.

Always remember while applying for loans that what you borrow is what you will be paying back with interest added and it is not free money. Pay off your loan according to repayment terms and if you stick to these exactly it helps rebuild your credit ratings. Added to this you will not have any difficulty in future when you need to apply for personal loans.

Make certain to repay your loans on time every time

Sometimes circumstances may happen where you may find difficulty in paying an instalment for a month and when this occurs immediately contact the lending company to let them know. Many people have been saddled with bad credit records and have been blacklisted because they ignored letters and demands for payment for credit when they were in hot water.

Borrow sensibly when you apply for online loans

It is always better to try and come to a solution with lenders when it happens that you are finding it difficult to manage your loan payments. This is why it is crucial to carefully work out how much you wish to borrow in personal loans and if you need any assistance then our expert consultants are ready to help you get the finance you need.

Personal loans from EC Loans are the solution in finance you need when you need it and already we have helped thousands of South Africans get financial relief no matter what their credit ratings were and we are ready to help you.

Customer Reviews & Testimonials

September 2019

Amazing services from EC Loans in helping me get the money I needed and delighted with their fast turnaround time for approval. I will certainly use their services again in the future and recomme...

Charlotte D
— Langebaan —

November 2019

Thank you EC Loans for helping me get finance when my business was experiencing cash flow problems. It’s great to know there are still companies out there offering a superior level of customer se...

Robert M
— Benoni —

EC Loans Contact Details

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