Loan4U Review
Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the SA and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: +27 86 199 5051
Shedule Monday - Friday
08:00 - 18:00

Loan4U offers a variety of loan options to meet the unique needs of its customers. These include personal loans, debt consolidation loans, and payday loans.

Personal loans are a popular option for those in need of a larger sum of money. These loans can be used for a variety of purposes, including home renovations, car purchases, or even a dream vacation.

Debt consolidation loans are ideal for those who have multiple debts that they would like to consolidate into one loan. This can make it easier to manage payments and save on interest charges.

Payday loans are a short-term loan option that can help you bridge the gap between paychecks. These loans are typically smaller in amount and are designed to help you cover unexpected expenses until your next payday.

Loan parameters
  • Loan amount
    R2,000 - R250,000
  • Interest
    2 – 30%
  • Term
    3 – 60 months
  • Age
    18+ years

Eligibility Criteria for Obtaining a Loan

To be eligible for a loan with Loan4U, you must be over 18 years of age and a citizen or permanent resident of South Africa. You must also have a steady source of income and meet the creditworthiness requirements set by Loan4U.

The application process is simple and straightforward. You can apply online by filling out the application form on the Loan4U website. Once your application is submitted, Loan4U will review your information and determine if you qualify for a loan. If approved, your loan will be deposited directly into your bank account.

Benefits of Choosing Loan4U as a Lender

There are many benefits to choosing Loan4U as your lender. First and foremost, Loan4U offers competitive interest rates, making it an affordable option for those in need of financial assistance.

In addition to competitive interest rates, Loan4U also offers flexible repayment terms. This allows you to choose a repayment plan that works best for your unique financial situation.

Finally, Loan4U is committed to providing excellent customer service. The Loan4U team is friendly and knowledgeable, and is always available to answer any questions you may have.

Our application process is easy and straightforward, and we’re here to help you every step of the way.

  1. Fill out the application form. To apply for a loan with Loan4U, you’ll need to fill out our online application form. This form is designed to gather all the necessary information we need to process your loan application. Be sure to fill out all the required fields accurately and completely.
  2. Choose your loan amount and repayment terms. After you submit your application, you’ll be asked to choose the loan amount you need and the repayment terms that work best for you. Loan4U offers a range of loan amounts and repayment terms to suit your needs and budget.
  3. Provide accurate information. One of the most important things to remember when applying for a loan with Loan4U is to provide accurate information. This includes your personal information, employment history, and financial information. Providing inaccurate information can result in delays in processing your loan application, or even a denial of your loan.

Tips for filling out the application form

To make the application process as smooth as possible, keep the following tips in mind:

  1. Double-check your personal information, including your name, address, and contact details. Make sure everything is spelled correctly and that your contact details are up to date.
  2. Be honest about your employment history and financial situation. We understand that not everyone has a perfect credit score, so don’t be afraid to share any challenges you may have faced in the past.
  3. Take your time and read the questions carefully. Make sure you understand what is being asked before you answer.

At Loan4U, we’re committed to helping you get the funds you need when you need them. By providing accurate information and filling out the application form carefully, you can help us process your loan application quickly and efficiently.

Remember, loans are only available to people over 18 years of age. If you meet this requirement, apply for a loan with Loan4U today and get one step closer to achieving your financial goals. Our friendly team is standing by to answer any questions you may have and guide you through the loan application process.

Repaying your loan

At Loan4U, we offer a variety of repayment options to suit your individual needs. You can choose to make payments weekly, bi-weekly, or monthly. We also offer the option to set up automatic payments, which can help you stay on track and avoid any late fees.

Setting up automatic payments is quick and easy. All you need to do is provide us with your bank account information and we will take care of the rest. You can choose the date on which your payment is due and we will deduct the amount from your account automatically.

We cannot stress enough the importance of making timely payments. Late payments not only incur fees, but can also negatively impact your credit score. This can make it more difficult for you to obtain credit in the future. We recommend setting up automatic payments to ensure that you never miss a payment.

If you are unable to make a payment on time, please contact us as soon as possible. We are here to help and can work with you to find a solution that works for both parties.

Frequently asked questions

Here are some of the most frequently asked questions that we receive, along with our answers.

Q: What is Loan4U?

A: Loan4U is a leading provider of personal loans in South Africa. We offer fast and easy loans to help you cover unexpected expenses, consolidate debt, or make a major purchase.

Q: Who can apply for a loan from Loan4U?

A: Anyone over the age of 18 who is a South African citizen or permanent resident can apply for a loan from Loan4U. We do have certain eligibility requirements, such as a minimum income and credit score, but we encourage you to apply and see if you qualify.

Q: How do I apply for a loan from Loan4U?

A: You can apply for a loan from Loan4U online by filling out our simple application form. We’ll ask you for some basic information, such as your name, contact information, and employment details. You’ll also need to provide us with some financial information, such as your income and expenses.

Q: How much can I borrow from Loan4U?

A: The amount that you can borrow from Loan4U depends on your individual financial situation. We offer loans ranging from R1,000 to R250,000, with repayment terms of up to 72 months. The amount that you are approved for will depend on factors such as your income, credit score, and other financial obligations.

Q: How quickly will I receive my loan funds?

A: At Loan4U, we understand that you may need your funds quickly. We strive to process loan applications as quickly as possible, and we aim to have funds disbursed within 24 hours of approval.

Q: What is the interest rate on Loan4U loans?

A: The interest rate on Loan4U loans varies depending on a number of factors, including the loan amount, repayment term, and your individual creditworthiness. We strive to offer competitive interest rates and transparent terms, so you can be confident in your loan agreement.

Q: What happens if I can’t make a loan payment?

A: If you are unable to make a loan payment, it is important to contact Loan4U as soon as possible. We may be able to work with you to find a solution that works for your individual situation. However, it is important to note that missed payments can result in additional fees and interest charges, and can negatively impact your credit score.

We hope that these answers have addressed some of the common questions or concerns that you may have had about Loan4U. If you have any other questions or would like to apply for a loan, please don’t hesitate to contact us. Our friendly team is always here to help!

Your comment

Fast and Easy Loans Online
Fast and Easy Loans Online
Ready? Get it only in 5 minutes!


Matome Zwane
A fairly large directory of microfinance companies with online withdrawal of money to the card. They even work with salary cards, it is convenient then to give a loan with a salary
Yvette Adams
I was left without a job, and the child has a birthday ... The guys helped out with the right amount. Returned without problems
Mandisa Palmer
Quickly consider a loan application and transfer money to an account
Johannes Joseph
They approved the loan to me almost immediately, everything is very fast and cool without unnecessary red tape! Thanks!! You are best!
Apply Now

Applying does NOT affect your credit score!

No credit check to apply.