EC Loans

EC Loans is for the credit conscious consumer. Money is hard to come by as the country enters and exits recessions every now and then.


EC Loans is a credit lender that understands the South African consumer and always strives to satisfy credit needs of each and every customer. You will not be let down by the efficient service. EC Loans knows the reality is; cash is constrained for most South Africans. The planned monthly budget may not be enough when you suddenly need cash. Circumstances that require cash input do not announce themselves, emergencies just happen.


EC Loans specializes in helping people with bad credit also business start ups. If you have negative credit record, its no problem. Financial products include a quick loan, unsecured loan. Also included are business loans, blacklisted loans, cash loans and prescribed debt loans. The interest rates on all loans are flexible. Loans start at a minimum of R1 000 and reach up to R120 000. You have a choice of paying off the loan for 12 months. For larger loans you can settle it in 84 months. Long term personal loans are best used for things like weddings. While short term can be used to pay utility bills or medical costs. EC loans does not discriminate when it offers credit. You may be blacklisted and can afford to pay off the loan. Every person is checked on an individual basis before credit is approved. Getting a business loan from a bank can be challenging and most start ups fail the litmus test. EC loans makes it easy for enterprises, you can request a business loan and pay it back over a period of time. The collection of interest is based on the rate as prescribed by the National Credit Act. Your business can grow without being limited to credit.


  • EC Loans is resisted with the National Credit Regulator.
  • Interest on loans are flexible.
  • Individuals with bad credit can access loans.
  • Long term time frame for installment pay off.
  • Businesses loans for start ups.


EC Loans applications are all done online. It saves times as you don’t have to travel to an office. You can do it anytime on your computer or phone. The processing time is quick. Once you are approved your cash will be in the bank the next minute. You must be 18 years and old to apply. You must be employed with salary that can pay back the loan in time. The minimum requirement is R1 500 per month. Your documents must be up to date and you will need the following:

  • A valid South African Identity card or book
  • An active bank account
  • Proof of residential address
  • Pay slip
  • Proof of income (for business loan)
  • Working Cellphone

EC Loans will put the cash in your bank account the same day.


If you are interested in getting credit from EC Loans and need more information. You can call during office hours and a consultant will assist you.

Email :

Phone : 087 943 2500
Phone : 021 200 6010
Fax : 086 525 8611

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