Who writes this site
Everything here is written against a fixed set of sources and a fixed set of rules, and the rules matter more than the by-line. This page sets out both, so you can judge the content on how it was made.
What the content is built from
Regulatory material: the National Credit Act and its regulations, the National Credit Regulator’s register and published reports, and the Information Regulator’s POPIA guidance.
Lender material: each provider’s own published pages, terms and policies, transcribed with the source and date attached.
Market data: the National Credit Regulator’s Credit Bureau Monitor and Consumer Credit Market Report, used for context rather than for claims about individual lenders.
Every source used is listed with its date on the sources page of each article and in our source register.
The rules every page is written under
- No figure without a source. Where a provider does not disclose something, the page says so.
- No cost typed by hand. Every calculation comes from tested code applying the statutory caps.
- No claim about approval, timing or eligibility that a registered lender could not lawfully make.
- No offers on pages about debt review, over-indebtedness or borrowing without income.
- Corrections are logged publicly, not made quietly.
What this site cannot tell you
Whether you will be approved, what rate you will be offered, or whether borrowing is the right decision for your circumstances. Those depend on an affordability assessment we play no part in and on facts about your life we do not have. Everything here is general information, not advice for you.
Related
Sources and last checked
- National Credit Regulator — register of credit providers — Regulator, as at 10 August 2026.
- National Credit Act 34 of 2005 and its regulations — Government, as at 10 August 2026.
- Information Regulator — guidance note on direct marketing under POPIA — Regulator guidance, as at 10 August 2026.
- NCR Credit Bureau Monitor, Q2 2025 — Regulator report, as at 30 June 2025.
- NCR Consumer Credit Market Report, Q2 2025 — Regulator report, as at 30 June 2025.
Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.