Let’s start!

  • Personal Loans
  • Credit Cards
  • Short Term Loans
  • Debt Consolidation
  • Latest Articles
  • Free Credit Report

Read our Latest Credit Articles

Should you pay your creditors directly while under debt counselling?

Sometimes consumers try to pay their creditors themselves because they’re trying to avoid paying the Payment Distribution Agent (PDA) fees for distribution, says Awie Coetzee, a debt counsellor...
Posted in Borrow, Debt Counselling | Leave a comment

Your rights regarding debt

Debt if not managed properly can ruin your life. For many one of the first red flags is usually receiving countless calls from creditors and debt collection agencies....
Posted in Blacklist, Debt, Debt Consolidation, Debt Counselling | Leave a comment

You can emigrate, but you can’t escape your debt

If you are burdened with debt, you might have considered going overseas and leaving your baggage of debt behind. Some people hope that their debt will then somehow...
Posted in Borrow, Debt Consolidation, Debt Counselling | Leave a comment

Options for debt relief – Debt counselling vs debt consolidation

We break down two of the ways that can help you clear debt. Consolidate your debt A debt consolidation loan is a powerful tool that helps to simplify...
Posted in Blacklist, Debt, Debt Consolidation, Debt Counselling, Debt Review, Money | Leave a comment

Springboard Into 2021 With These 28 Money Saving Strategies

Hopefully this article finds you chilling under a candy stripped umbrella somewhere on a sandy South African beach. And if that isn’t the way you are spending your...
Posted in Credit Report, Money, Money Tip | Leave a comment
Check your score. Improve your score. Improve your life. Try it free now.
  • Car & Home Insurance
  • Life Insurance
  • Funeral Insurance
  • Legal Insurance
  • Health Insurance
  • Medical Aid
  • Motor Warranty
  • Latest Articles
  • Insurance Savings Report

Read our Latest Insurance Articles

Estate planning

Planning for your death and thereafter is never nice but, like tax, is just part of life. Making sure that your family and other loved ones, but also...
Posted in Article, Critical Illness cover, Funeral Plans, Insurance, Life Insurance, Will & Testament | Leave a comment

What’s your most important asset in 2021?

Most people's answer to this question would be their beautiful home or the set of wheels parked in their driveway, but hands down, your greatest asset is, in...
Posted in Banking, Income Insurance, Insurance, Invest, Life Insurance, Money, Unemployment Insurance | Leave a comment

The question for 2021 is “What if?”

Living with your family 24/7 for a good few months last year was interesting, wasn't it? Within the confounds of our shelters, we all hunkered down stockpiled and...
Posted in Critical Illness cover, Disability Cover, Funeral Plans, Health Insurance, Income Insurance, Insurance, Medical Aid, Money, Unemployment Insurance | Leave a comment

Will Any Insurer Be Prepared To Cover Your Household Goods Over The Christmas Period?

It’s almost holiday time and in a few weeks millions of South Africans will be off on their annual migration to different parts for our country for a...
Posted in Home Contents Insurance, Home Insurance, Insurance | Leave a comment

No Discovery Health medical aid increases for the first six months of 2021!

No Discovery Health medical aid increases for the first six months of 2021! If you belong to a South African medical scheme, the odds are you have a...
Posted in Health Insurance, Insurance | Leave a comment
Find yourself insurance savings. Try our propriatary (and free) report now.
  • Reports & Calculators
  • Tips & Articles
Retiring well means making the best savings descisions. Choose wisely. Start here.

Read our Latest Investment Articles

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

What’s your most important asset in 2021?

Most people's answer to this question would be their beautiful home or the set of wheels parked in their driveway, but hands down, your greatest asset is, in...
Posted in Banking, Income Insurance, Insurance, Invest, Life Insurance, Money, Unemployment Insurance | Leave a comment

Use your TFSA to take care of all those 2021 savings goals

"Roy?" "Yes?" Roy replies as he puts down the Sunday newspaper and peers at his wife over his spectacles. "Don't you think our bathroom is starting to look...
Posted in Banking, Invest, Money, Money Tip, Tax Free Savings Accounts | Leave a comment

4 Types Of Investment Funds You Can Start Thinking About This January

It sounds like a bit of a cliché, but times are still very tough for millions of people across our country. Presently, South African consumers owe a staggering...
Posted in Invest, Money | Leave a comment

MoneyShop Youth Month Survey

June was Youth Month. And so we took a look at how a parents finances affect their children. Some key items to take away: More than half of...
Posted in Borrow, Education Savings Accounts, Insurance, Life Insurance, Medical Aid, Money, Surveys | Leave a comment
  • Money Reports
  • Tips & Articles

Join thousands of South Africans

MoneyShop Numbers

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

* These numbers are accurate as of 30 January 2020. These numbers are combined numbers from the Olico Group who own and operate MoneyShop.

Let’s chat!

Schedule a call back, call us or WhatsApp us. You decide.

Let us call you
when it suits you

Call us now on:

WhatsApp us now on:

Get a free money report

Understand your money better. Try one of our unique (and free) money reports.

How we work and what we do

MoneyShop is SA’s largest loan and insurance finding service, helping over 200,000 clients per month.

Using artificial intelligence, we match the right lending, insurance and investment products to the right people at the right time.

  • Your trusted money partner

Let your
work for

Money tips & articles

Frequently asked questions

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


Personal Loans

  • Typical terms: 12-72 Months
  • Typical interest rate (APR): Between prime and 27.5% per year
  • Typical loan sizes: R10,000-R250,000

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 counseling. 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.