COmpare 
Loans
for free 
COmpare
No additional fees or hidden conditions, our specialist will help to find the best online loan offer on the market!
✅ No impact on your credit score
✅ 5+ credit loan providers available
Representative example: Estimated repayments on a loan of R30,000 over 36 months at a maximum interest rate of 29.25% APR would be R1,381 per month, including all applicable fees. Repayment terms range from 2 to 72 months. SmileLoans is not a lender.
Why us?
Why us?
Free & No Obligation
Our service is 100% free to use. Particularly no hidden fees or commitments.
Secure & significantly Confidential
Your information is protected with the highest security standards.
Secure & Confidential
Your information is protected with the highest security standards.
How to apply
Getting your loan through SmileLoans is quick and hassle-free. Just follow these 3 easy steps:
Step
1
Tell Us What You Need
Firstly, choose your loan amount and preferred repayment term.
Step
2
We Search Top Online loan rovider
Secondly, generally our system compares offers from multiple providers.
Step
3
You Choose the Best Deal
Finally, pick the loan that works for you and apply online.
More about smileloans
Generally, at SmileLoans, we help you compare online loan offers from trusted lenders across South Africa — all in one place. Whether you need extra cash for an emergency, education, home improvements, or anything in between, we've got your back with fast, simple, and transparent loan comparisons.
mashonisa loans
urgent cash loans
Payday Loan Approvals
Frequently Asked Questions
1. What is SmileLoans?
We are online loan comparison platform in South Africa. Our services is totally free for a user.
2. Is SmileLoans a lender?
NO, Smileloans is not a lender. We are online lon COMPARISON platform, we do not issue any credits or loans.
3. How much can I borrow?
Please make sure you check different lenders. Our partners can offer from 100 to 10.000R loans for your daily needs.
4. Will applying through SmileLoans affect my credit score?
We do not use any credit score or credit bureu data, your information wont be used anywhere.
5. How quickly can I get my money?
Make sure you meet the main requirements of credit providers. Usually main requirements are citizenship, age and net income.
Smileloan.co.za is a completely free, independent loan comparison service. We are not influenced by any lender — our only compensation comes from successfully disbursed loans, allowing us to stay fair, transparent, and unbiased.
2025