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ZarCash compares loan offers from NCR-registered credit providers and may earn a commission when you apply. Every offer names the registered lender behind it. How we make money

Complaints

There are two different things you might want to complain about, and they go to different places. A complaint about this website comes to us. A complaint about a lender goes to the lender, then to the Credit Ombud, then to the National Credit Regulator.

Complaining about ZarCash

If something on this site is wrong, misleading or out of date, tell us and we will investigate. Include the page address and what you believe is incorrect. Where a factual error is confirmed we correct the page and record the change on the corrections page.

We do not remove accurate information because a provider objects to it, and we do not add claims we cannot source.

We cannot help with your loan

ZarCash is not a lender and holds no information about your credit agreement. We cannot check an application, change an instalment, arrange a settlement or resolve a dispute with a provider. Those go to the credit provider named on your agreement, and then to the escalation path below.

If something goes wrong

  1. Complain to the lender first
    Put it in writing and keep the reference number. Most credit providers must give you a decision within a set number of business days under their own complaints policy.
  2. Escalate to the Credit Ombud
    If the lender does not resolve it, the Credit Ombud handles disputes with non-bank credit providers at no cost to you.
  3. Report it to the National Credit Regulator
    The NCR is the regulator. Report reckless lending, an unregistered provider, or a lender that will not give you a pre-agreement quote.

What to have ready when you complain about a lender

  • The pre-agreement quote and the signed credit agreement.
  • Statements showing what was collected and when.
  • Every message and letter, with dates.
  • The reference number from your complaint to the lender.

Related

How to complain about a lenderCorrectionsContactYour rights as a borrower in South Africa

Sources and last checked

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.