Smart Loan SA Review Loan SA
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: 087 654 1969
Shedule Monday - Friday
08:00 - 18:00

Are you in need of some extra cash to help you reach your financial goals? Look no further than Smart Loan SA – your go-to source for loan options in South Africa.

At Smart Loan SA, we understand that everyone’s financial situation is unique. That’s why we offer a variety of loan options to fit your specific needs. Whether you’re looking to consolidate debt, make a large purchase, or simply need some extra cash for unexpected expenses, we’ve got you covered.

Our loan options include personal loans, secured loans, and short-term loans. Personal loans are unsecured and typically have a lower interest rate than other types of loans. Secured loans require collateral, such as a car or home, and often have a higher borrowing limit. Short-term loans are designed to be repaid quickly, usually within a few weeks or months.

Loan parameters
  • Loan amount
    R10,000 – R150,000
  • Interest
  • Term
    12 – 60 months
  • Age
    18+ years

When it comes to interest rates and repayment terms, Smart Loan SA strives to offer competitive rates and flexible repayment options. Our interest rates vary depending on the type of loan and your credit score. We also offer various repayment terms ranging from a few months to several years, so you can choose the option that best fits your budget.

At Smart Loan SA, we believe that applying for a loan should be a simple and stress-free process. That’s why we’ve made our application process quick and easy. All you need to do is submit a few basic details about yourself and your financial situation, and we’ll take care of the rest.

We understand that taking out a loan can be a big decision, and we want to ensure that you have all the information you need to make an informed choice. That’s why we encourage you to read through our loan options and contact us with any questions or concerns you may have.

So, if you’re in need of a loan in South Africa, turn to Smart Loan SA. With our wide range of loan options, competitive interest rates, and flexible repayment terms, we’re confident that we can help you achieve your financial goals. Apply today and start your journey towards financial freedom.

Application Process

Are you in need of a loan but not sure where to start? Look no further than Smart Loan SA, the leading loan provider in South Africa. Our quick and easy application process will have you on your way to financial stability in no time.

Step-by-Step Guide:

  1. Visit our website at and select the “Apply Now” button.
  2. Fill out the online application form with your personal details and loan requirements.
  3. Submit the application and wait for our team to review it.
  4. If approved, you will receive a loan offer and contract to sign.
  5. Once the contract is signed, funds will be deposited into your bank account within 24 hours.

Documentation Needed:

  • Valid South African ID or passport
  • Proof of residence (utility bill, lease agreement, etc.)
  • Proof of income (payslip, bank statement, etc.)

At Smart Loan SA, we understand that each individual’s financial situation is unique. That’s why we offer personalized loan options tailored to your specific needs. With our competitive interest rates and flexible repayment terms, we make it easy for you to get the funds you need without breaking the bank.

Our friendly team of loan specialists are available to answer any questions you may have throughout the application process. We pride ourselves on providing excellent customer service and ensuring that you are fully informed every step of the way.

Don’t let financial stress weigh you down any longer. Apply for a loan with Smart Loan SA today and take control of your finances.


Are you considering taking out a loan with Smart Loan SA in South Africa? If so, it’s important to understand the repayment process. Here’s everything you need to know about making loan repayments with Smart Loan SA.

Making Loan Repayments with Smart Loan SA

After you’ve taken out a loan with Smart Loan SA, you’ll need to start making repayments. Repayments can be made in a number of ways, including via debit order or EFT transfer. The team at Smart Loan SA will provide you with all the necessary details to set up your repayment method.

If you’re struggling to make your repayments, it’s important to contact Smart Loan SA as soon as possible. The team will work with you to find a solution that suits your situation.

Options for Early Repayment

If you’re able to pay off your loan early, you may be able to save on interest. Smart Loan SA allows early repayment, but it’s important to note that there may be penalties for doing so. It’s important to speak to the team at Smart Loan SA to fully understand the early repayment process and any associated penalties.

Penalties for Late Repayment

If you’re unable to make your loan repayment on time, you may be charged a penalty fee by Smart Loan SA. It’s important to ensure that you have enough funds in your account to cover the repayment amount on the due date. If you’re unable to make the repayment, be sure to contact Smart Loan SA as soon as possible to discuss your options.

Benefits of Smart Loan SA

When it comes to borrowing money, you want to make sure you’re getting the best deal possible. Here are just a few reasons why Smart Loan SA stands out from the crowd:

  1. Quick and Easy Application Process. At Smart Loan SA, we understand that time is of the essence when you need cash. That’s why we’ve streamlined our application process to make it as quick and easy as possible. You can apply online or in person, and you’ll get a decision in minutes.
  2. Competitive Interest Rates. We know that interest rates can make a big difference in the long run, which is why we offer some of the most competitive rates in South Africa. We believe in being transparent with our customers, so you’ll always know exactly how much you’ll be paying back.
  3. Flexible Repayment Options. At Smart Loan SA, we understand that everyone’s financial situation is different. That’s why we offer flexible repayment options to suit your needs. You can choose a repayment term that works for you, and you can even pay off your loan early without any penalties.
  4. No Hidden Fees. We believe in being transparent with our customers, which is why we don’t charge any hidden fees. You’ll know exactly how much you’ll be paying back before you even apply, and there won’t be any surprises along the way.

Smart Loan SA is the smart choice for your loan needs in South Africa. With quick and easy application, competitive interest rates, flexible repayment options, and no hidden fees, it’s no wonder our customers are so satisfied. Apply today and experience the Smart Loan SA difference for yourself!

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Bruce Sibisi
Online loans have saved me several times and everything has been great. Like online filing and money comes the same day after approval.
Johannes Joseph
They approved the loan to me almost immediately, everything is very fast and cool without unnecessary red tape! Thanks!! You are best!
Tshepo Zwane
Everything is organized and simple and decided that this site will always help out in difficult situations. Everything suits me, thanks
Francois Swart
I have a bad credit history, but the company went on a concession to me and gave me a loan of 10,000 rand. I try to close it and thus improve my rating. Thank you Best-Loans!
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