EC Finance assisting in Personal Loans, Short term Loans & Blacklisted Loans across South Africa

EC Finance was established in 2005 with the sole aim to provide short term loans, personal loans and cash loans. We also do blacklisted loans and can assist clients nationwide. If your bank is refusing to give you a cash loan due to being blacklisted, we can help, read about our cash loan requirements. Being blacklisted isn't an issue with us.

Have a look at our latest cell phones, we have many different deals to choose from. We can help if you have been blacklisted or turned away when wanting to buy a cell phone before.
Check out our cell phone requirements to get your brand new cell phone. Apply for your cell phone now.

You may also like to try out our handy loan calculator, this is never an exact science due to the fluctuations of the money markets, but it will give you a rough idea of what you can expect. We will of course go through everything with you when you apply for your cash loan which will be exact.

Get a loan today

Applying for a loan is easy. A simple loan application form is all that´s required. We typically give you a yes or no within 6 hours. You could even be paid out the same day, depending on circumstances and credit history.
We however strive to make loans available where others don´t, even if you are blacklisted or have bad credit history, we may be able to help you get that loan.

All you need to apply for loan today is fill out our form accurately and fax it together and add pay slip with your ID and 2 of your newest bank statements and we will respond within 6 hours.
Apply for your personal cash loan with us. If you have any queries about our personal loans feel free to leave a message on our contact form, we can help you. Why not just give us a go and Apply Now

We offer a comprehensive and flexible financial cash loan range, specially tailored to meet the needs of all our clients.

We've have available a wide range of financial assistance options, consisting of products and services to you our customer. Including products to assist, blacklisted individuals with a bad credit rating.

Loans Paid Same Day


Once approved, your loan could be paid directly into your bank account within hours – that’s if it’s a weekday between 8:00 and 15:00. If it’s after 15:00 on a weekday, you will have money in your bank by breakfast (that’s if you eat breakfast at 8:00). On weekends or public holidays, your loan will be paid out early the very next working day.


Shoo! A bit of a mouthful – we know. If it were up to us, we’d pay the cash over instantly. Unfortunately, we’re at the mercy of the banks who like regular siestas and that sticky red tape. But do not fear, we’re working on them and hope to be able to pay you your loan 24/7, in an instant. We’ll keep you posted!