Editorial policy
This site covers money decisions taken under pressure, often by people who cannot afford a mistake. That imposes a standard: publish what can be sourced, mark what cannot, and never let a commercial interest change either.
Our sourcing rules
- Lender facts come from the provider’s own published material or from a regulator, with the source linked and the date shown.
- Where a provider does not disclose something, the page says “not disclosed” — never zero, never “free”, never an estimate.
- Third-party comparison data is labelled as such and never presented as lender-confirmed.
- Cost figures are calculated from the statutory caps in code, and the calculations are unit-tested against worked examples.
- Statutory maximums are presented as maximums, never as a quote, an offer or a prediction of what you will be charged.
Claims we will not publish
- Guaranteed approval, or any suggestion that approval does not depend on an affordability assessment.
- No credit checks — no registered South African lender may skip one.
- An exact payout time. The last step runs through your bank and the clearing system, which no lender controls.
- “Lowest rate” or “cheapest”, unless it is demonstrable from published data — and on capped credit it generally is not.
- Testimonials, review scores or awards we did not collect and cannot evidence.
- Lender offers, rates or fees we cannot trace to a source.
Corrections and independence
When we get something wrong we correct it and say what changed, on the corrections page. We do not quietly edit a page and leave the record looking as though it was always right.
Commercial relationships are disclosed wherever they exist, and they play no part in what we publish about a provider or in how lists are ordered. A partner that objects to an accurate statement about it does not get the statement removed.
How we make money
ZarCash may earn a commission when you click through to a partner and apply. That commission never determines the order in which providers are listed, and it never changes what we publish about them. Where a page carries a commercial link, a disclosure appears next to it.
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.
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.