Rating based on 11 reviews

EC Finance


  • Debt consolidation loans up to R120,000
  • Low-interest starting from 32%
  • Repayment up to 60 months

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EC Finance homepage

Author EC Finance. Screenshot of EC Finance website. [Accessed February 20, 2020]

About EC Finance

As financial specialists, we are here to guide South Africans who find themselves in financial need.

Our personal loans are the saving grace that you have been searching for and we will help you understand just how to use them correctly to achieve your goals.

Learn more about EC Finance

Since we are going to be learning all there is to know about your financial life it is only fair that you want to know about us too. EC Finance has been in operations for seven years to record. While we might be considered a small player in the game, we are by no means incapable.

EC Finance is affiliated with many of the major credit providers throughout the Western Cape so we can set you up with the very best deals. Our aim is to help our customers to know that there is a light at the end of the tunnel and we will clear them of their financial concerns.

What are personal loans designed for?

The beauty of a personal loan is that it is designed for everyone and anything. While that might appear quite broad it is nothing but the truth. Our personal loans are quite flexible and range from R1,000 to R120,000 and can be repaid over a total period of 60 months depending on the needs of the borrower.

Personal loans are designed for personal matters – so getting those much-needed vehicle repairs, going on a well-deserved vacation, or getting your debt under control. No matter what you need, we guarantee that our loans will assist you to achieve your goals.

What EC Finance can offer you

If you are in need of financial aid the first step is to consider why you need the aid in the first place.

If you need aid because you simply have too many debts to repay then you should be aiming towards a debt consolidation loan.

Why our debt consolidation loan is a good idea

It is so easy to get yourself into heaps of debt especially with credit cards, store cards, and short-term loans being so readily available. You are paying monthly charges and individually accumulated amounts of interest on each of these accounts which greatly reduces your disposable income.

With the help of a debt consolidation loan, you will be able to repay all of these debts and only pay a single loan every month. Doesn’t that sound great? The best part is that you will also save money on the fees and interest so you can either use this money on yourself or use it to repay your debt consolidation loan faster.

You can become debt-free

One of the most important aspects of debt alleviation is learning how to manage your debt in the process. Once you are cleared of debt, you need to understand how to remain debt-free or manage your debt in a controlled environment. Our loan calculator is a good place to start.

You can use the online calculator to determine how much you are able to borrow based on your current income and expenses. This will help you to understand your financial situation and prepare any questions you might have for the meeting with one of our consultants.

EC Finance Debt consolidation loans

  • Loan Type Debt consolidation loans
  • Interest Rate 3260% p/a
  • Loan Amount up to R120,000
  • Repayment 24 months to 60 months
  • Decision Same day

Benefits of EC Finance

  • Loans from R1000 to R120 000
  • 90% approval rate
  • Unsecured and blacklisted Loans
  • Easy online approval

Get your finances in order with the help of EC Finance

Now that you are more informed of your financial situation, it is time to decide whether or not you are going to apply.

Of course, if you need help deciding, you can contact one of our consultants and have a chat. We are always happy to advise.

The requirements of our loans

The criteria for our loan applications remain similar to that of other lenders in the country. We do not easily turn people away so just apply and see what happens!

Our basic loan criteria are that the borrower is:

  1. Above the age of eighteen
  2. A South African citizen
  3. Working a full-time job with a regular income
  4. Able to produce proof of regular income

How our online application works

Applying for one of our debt consolidation loans is really simple. All you need to do is use a device with Internet connectivity capabilities and access our website. From here, simply click on the ‘apply now’ button and follow the prompts. Simple and easy – we love it.

How to handle those difficult months

EC Finance understands everything about financial burdens so if you run into some financial trouble during your loan then do not be afraid to approach us. We will help you to make the repayments. The most important thing is that you contact us to develop a solution.

Customer Reviews & Testimonials

September 2019

Thank you EC Finance for providing such great advice and for being so patient – you guys are the best.

Lucille J
— Beaufort West —

September 2019

I love making use of EC Finance’s services; they are always so friendly and helpful. They are highly recommended on my list.

Joanne S
— Cape Town —

EC Finance Contact Details

Contact Number


  • not available


Physical Address

  • 11 Long St, Cape Town City Centre Cape Town Western Cape 8000 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed