About Sunshine Loans South Africa

    We are a Responsible Lender


    We are regulated by the National Credit Regulator (NCRCP14110) and subscribe to the credit industry code of conduct to combat over-indebtedness. We take our role seriously, and are here to improve your financial situation. This is why we do an affordability assessment and credit check on every loan we make. We want to make sure you can comfortably pay it back.

    There are no Surprises


    The interest and fees on your loan are calculated upfront and presented to you in your loan contract before you agree to the loan. The documents are easy to understand and dny third party checks, like a credit check, are done with your consent.
    Once you have your loan, we are always contactable and can make payment arrangements when things don’t go according to plan.
    You can track all the details of your loan and repayment history on our customer portal.

    Only One Loan at a Time


    Sometimes it can be tempting to borrow more than you need and so our policy is to offer only one loan at a time. You must repay your current loan before you are eligible for a new loan. You can, however pay out your existing loan early, for no additional charge. And a positive repayment history will stand you in a good stead should you want to borrow again in the future.