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Should you consider a personal loan for the holidays

Should you consider a personal loan for the holidays? With the holidays and festive season fast approaching, you may be wondering how you are going to pay for...
Posted in Borrow, Money, Personal Loan | Leave a comment

Tips for Taking out Personal Loans

Tips for Taking out Personal Loans. A personal loan can be a very helpful way of getting finance when you really need it, but you need to make...
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Consider this when taking a loan

Consider this when taking a loan. Personal loans can be a very dangerous path, leading you into a cycle of debt that can be difficult to get out...
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Debt review can change your life

Debt review can change your life. It can help you organise your debt and structure payment plans that are manageable and achievable. Starting the process of debt review...
Posted in Debt, Debt Counselling, Debt Review | Leave a comment

Ways a personal loan can help

Personal loans are commonly used to cover unexpected expenses, but they also offer another benefit. You can use the loan proceeds to help keep more of your hard-earned...
Posted in Article, Borrow, Personal Loan | Leave a comment
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Why you need a motor warranty

There is always a chance that your car is going to suffer a mechanical breakdown of some sorts. Insure you have a motor warranty for the holidays. At...
Posted in Car Insurance, Insurance, Motor Warranty | Leave a comment

Types of Car Insurance

The vehicle owner needs to be aware of the types of car insurance options. There are several different types of car insurance available on the market today. Each...
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Complimentary R25 000 accidental death cover

Get R25 000 worth of accidental death cover at no cost to you. MoneyShop, together with AllLife would like to offer you R25,000 of accidental death cover at absolutely...
Posted in Death Insurance, Insurance | Leave a comment

Car insurance before driving on holiday

Car insurance before driving on holiday. Are you planning your next drive to a holiday destination? Who does not love a good road trip to their favourite local...
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Home cover when away

Home cover when away is very important. As well as insuring the items you’re leaving behind. You should also consider covering those you’ll carry with you on your...
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Read our Latest Investment Articles

How to – Save for rainy days

Make savings part of your monthly budget So, you want to save for rainy days. If you wait to put money aside for when you consistently have enough...
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How to – Save correctly for retirement

Start saving asap One needs to save correctly for retirement. Not next week or when you get a raise or even only next year. Today. Because money you...
Posted in Invest, Money, Retirement Annuities | Leave a comment

How to: Get a retirement investment report from MoneyShop

Ever wondered how you can get a investment report from MoneyShop? Follow the how to steps below, it is simple, quick and easy. Investing is important for your...
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Options for retirement

Pension fund, provident fund or retirement annuity. What are the different savings options for retirement, and which is right for you? Pension fund vs provident fund vs retirement annuity...
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How to give your child the best education

Every parent wants to offer their child the best education possible, but school and university fees are extremely high meaning that you may not be able to afford...
Posted in Education Savings Accounts, Invest | Leave a comment
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MoneyShop Numbers

Loan Value Disbursed
Loan Applications Per Month
Insurance Policies Sold
Insurance Quotes Per Month

* These numbers are accurate as of 1 July 2024. These numbers are combined numbers from the Olico BigLead Group who own and operate MoneyShop.

How we work and what we do

MoneyShop is South Africa’s largest loan and credit finding service, helping over 120,000 clients per month.
Using artificial intelligence, we match the right loan or credit products to the right people at the right time.
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Frequently asked questions

Interest and loan size will vary from provider to provider. Our loans are broadly categorised into:


Personal Loans

  • Typical terms: 12-84 Months
  • Typical interest rate (APR): Between prime and 29.5% per year
  • Typical loan sizes: R10,000-R350,000

Short term loans

  • Typical terms: 2-6 Months
  • Typical interest rate (APR): Between prime 3% and 5% per month (36-60%)
  • Typical loan sizes: R1,000-R8,000

If you are shopping for a loan you have 2 options:

  • Apply for a personal loan. We will do all the heavy lifting and find the right loan for you.
  • Get a free credit report. We do a full analysis of your risk profile and give you detailed information (based on your profile) of which lenders are likely to give you a loan and also what typical loan sizes people like you typically receive.

In order to qualify for a personal loan you will need to have the following:

  1. A South African ID
  2. A minimum income of R4,000 per month
  3. You will also need to pass a credit check.
  4. You must not be undergoing debt counselling

No, MoneyShop is not a loan provider. We simply find the best loan suited to your profile with SA’s top loan providers. We have partnered with SA’s top insurers and personal loan providers to make your online application process for financial services – such as loans, funeral plans, car and home insurance and hospital cover quick and easy! Best of all, our service is free!

Short answer: Maybe, but it depends on how ‘bad’ the blacklisting is.


Long answer: Technically there is no such thing as a ‘blacklisting’. It is a term that is used to cover a whole range of different negative indicators on your credit report. So lets break those down:

  • Missed a few payments / Bounced debit order. Missing a few payments on its own wouldn’t disqualify you from getting a loan.  But it would depend on the ‘badness’ of those missed payments.  For example, missing one or 2 payments for a month or 2 is not the end of the world and you will probably still be eligible for a loan – all be it at maybe a higher interest rate.
  • Going beyond 60-90 days on repayments. If you go heavily into arrears on the bulk of your account payments (especially if you are still in arrears). This could disqualify you from getting access to credit.
  • Judgements. A judgement is a where a court has declared you owe money to a company. Like with missed payments, having a judgement on it’s own is not necessarily going to disqualify you from getting a loan. It depends on the ‘badness’ of the judgement.  Which usually means if it is a large judgement (say more then R10,000)  or a recent judgement (say in the last 2 years) then you are unlikely to get credit. But small and/or old judgements usually will not disqualify you on their own.
  • Debt counselling. It is illegal to lend to someone who is going through debt counseling in South Africa.  As such, this will disqualify you from getting any more credit.

If you are unsure what you credit profile looks like we highly recommend you get a free credit report now.  This is your start to financial fitness.