Rating based on 28 reviews


Loans for Bad Credit offered by EZI Loans

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About EZI Loans

Anyone in South Africa with a low credit score or bad credit, seeking consolidation loans or personal loans.

You can count on us for low credit services. We can find the best deals to fit your needs. Being part of our program we can find a solution to fix your urgent cash and credit problems.

Affordable bad credit loans

With EZI Finance we find loans for people with low to bad credit scores as long as you qualify for our lending criteria. Low credit score customers do not include persons under debt review, counselling, liquidation or administration. We do all the work for you, so you don’t have to. Just remember that loans for low credit scores are hard to find. Do not risk applying for a loan by yourself, with us you get the right loan at the first try because your first loan application is most important.

What EZI Loans can offer you

Before applying for a loan you need to make sure that you meet our requirements.

If you don’t meet the requirements we won’t be able to help you with your situation. Please make sure that you read the requirements thoroughly.

The loan requirements

You have to be a South African citizen with a coded ID. You also need to be younger than 63. Also, you have to be employed and earn more than R3000 a month, depending on the lender you apply for. A bank statement from a South African bank. Unfortunately, you can’t apply if you can’t afford to take on more debt and also if you under administration, liquidation or debt counselling.


Interest Rate

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In a Nutshell

  •  Online application


At EZI Finance we have a wide variety of affordable loans

EZI Finance has 6 types of loans that you can choose from which are consolidation loans, personal loans, short term loans, long term loans, small loans, and large loans.

Our short-term loans

Short-term loans are a period of 6 months and easier to qualify for where long term loans are up to 5 years but gives you lower repayments and lower interest. Small loans up to R15 000 and is easy to qualify for where your long term loans can go up to R1milj but also gives lower interest rates.

All our lenders are NCR qualified and professionally trained. So that we can provide only the best for our clients.

Apply and contact details

With our online network, it is so easy to apply to be part of our team. We provided an online application so that you can be in the comfort of your own home.

Fill in the online loan application that has been given on our page hit the ‘Apply now’ button to continue. One of your skilled consultants will give a response as soon as we have received your application.

You can even send us an email, fax or make contact with us telephonically. We also have added a contact form if you would like us to contact you instead.


Eligibility & Requirements

  •  18 years or older
  •  ZA resident
  •  Employed full-time
  •  Active ZA bank account
  •  Photo ID
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • BAD Credit Loans
  • QUICK Loans

Customer Reviews & Testimonials

October 2019

Very quick response and very help full. I filled in the quick response form and that afternoon I received a call back from them.

Bertie G
— Oudtshoorn —

July 2019

We needed cash for our wedding and the long term loan helped us out. We could even enjoy our honeymoon without any stress.

Sara P
— Centurion —

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