ClickCredit Review South Africa 2026: Is ClickCredit Legit?
Considering ClickCredit? Learn how its short-term loans work, how much you can borrow, repayment terms, costs and what to check before accepting an offer.
Say Hello
to Fast Finance
Get matched with trusted lenders in minutes.
Compare offers and choose what
works for you.
Choose loan amount
R 2000
R 500
R 25000
MoneyHello is a free service. We may receive compensation from lenders.
Thabo
R 40005 min ago
Statutory Disclosure
MoneyHello is a loan comparison platform and lead generator. We connect you with NCR-registered lenders. We do not issue loans directly.
Interest Rates & Terms: Maximum APR: 102.14%. Repayment periods range from 3 to 72 months.
Representative Example: If you borrow R1,000 for 90 days: Initiation fee is R150, Monthly Service fee is R60, Interest is R90. Total repayment amount is R1,300.
BLOG
Latest articles
Debt Review in South Africa: How It Works and When to Consider It
Struggling with multiple debt repayments? Learn how debt review works in South Africa, who may qualify, the costs and restrictions, and how to explore debt review options.
The Hidden Costs of Renting an Apartment in South Africa (2026)
Moving into a new apartment? Learn about the hidden costs of renting in South Africa, including rental deposits, moving expenses, utilities, internet setup and household essentials, so you can budget with confidence before signing a lease.
HOW IT WORKSGetting the finance
Getting the finance
you need is as easy as "Hello"
Wondering how to get an online loan in South Africa?
See how MoneyHello matches you with NCR-registered lenders in 3 simple steps. No paperwork, no stress
Step 1
Tell us what you need
Use our slider to choose your borrowing amount and purpose. We'll ask a few quick questions to understand your needs.
Under 2 minutes
No credit impact.
Step 2
We find your best matches
Our technology scans the South African network. We bring NCR-registered lenders to you.
Trusted providers only
Clear rates upfront
Step 3
You choose and get paid
Review your offers and choose one that fits your budget. Then, complete the final steps with the lender, like a digital signature and bank verification.
Instant cash payouts.
WHY USWhy trust
Why trust
"MoneyHello"?
We aren't just another faceless finance site.
We're your partner in navigating the South African lending world.
100% Free Service
Our platform is free for you. We earn a fee from lenders, focusing on finding a deal that suits you.
NCR Compliance
Your financial safety is our priority. We vet lenders to ensure they are registered.
Bank-Level Security
We use 256-bit encryption to ensure your data stays private and protected.
FAQ
Your questions, answered
We believe finance should be transparent and easy to understand. If you've got a question that isn't covered here, feel free to reach out – we're here to help!
The Basics
We aren't a bank or a lender. Think of us as your personal loan matchmaker Instead of you filling out dozens of applications at different banks, you fill out one quick form with us. We then use our smart tech to find which registered South African lenders are most likely to approve you.
Not a cent. Our service is 100% free for consumers. We get a small referral fee from the lenders if you choose to take out a loan with them. This allows us to keep our platform free and focused on finding you the best deal.
Never. When we show you your matches, you are welcome to compare them and walk away if none of them fit your needs. You only enter into an agreement when you digitally sign with a specific lender.
Eligibility & Credit
No. When you use MoneyHello to see your initial matches, we perform what's called a "soft search." This does not impact your credit score. If you decide to move forward with a specific lender, they will perform a final credit check as required by the NCR.
To use MoneyHello, you generally need to:
- Be 18 years or older.
- Have a valid South African ID.
- Have a steady monthly income (salary).
- Have a personal South African bank account for the payout.
Most of our partner lenders require a regular salary from an employer. However, some of our specialized partners do consider pensioners. Currently, we do not have lenders in our network who provide loans solely based on SASSA grants.
Speed & Payouts
- Matching: Takes about 2 minutes.
- Approval: Usually happens within the hour during business days.
- Payout: Many of our partners offer same-day payouts. Once you’ve signed your contract, the money is often in your account within a few hours.
Through our partners, we can help you find anything from a small R500 "bridge" loan to larger personal loans of up to R250,000, depending on your income and credit profile.
Because we are a marketplace, rates vary between lenders. However, because we only work with NCR-registered providers, your interest rate is capped by South African law. You will see the exact interest rate and total cost of credit before you agree to anything.
