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What you need to look for when comparing loans

Finding the right loan can be a challenge.

With so many different offers from a variety of lenders, it's important to understand what sets them apart; some lenders charge additional fees for payment insurance and some charge fees for late payments.

With Wonga, you see the full cost of your loan upfront before you apply.

Choosing your loans provider

To kick off your loan search, you need to know:

  • The amount you wish to borrow
  • The length of time or number of instalments over which you need to repay your loan

Everyone wants a certain level of service, convenience, and affordability when picking a loan – and when selecting one, you’ll need to note any restrictions that might affect your application (such as restrictive loan periods, hidden fees, or even payment penalties).

Comparing loan providers

There are many options when it comes to taking out a loan in South Africa.

From short-term ‘payday loans’ all the way up to longer-term loans - usually up to 60 months for loan amount up to as much as R150 000 - We have listed some of the major loan providers in South Africa to assist you on your search.


GetBucks - loans from R500 to R4 000

GetBucks is a short-term loan provider that offers first-time customers loans of up to R4 000. The shortest period of a loan from GetBucks is 7 days.

Compare Wonga and GetBucks loans


DirectAxis loans - borrow up to R150 000 for a minimum of two years

DirectAxis is a South African instalment loan provider that offers loans of up to R150 000.  DirectAxis’ minimum loan term is 2 years.

Compare Wonga and DirectAxis loans


Capfin loans – up to R50 000

Capfin offers loans of up to R50 000 for up to 24 months. Their 6-month loan has a maximum loan amount of R8 000.

Compare Wonga and Capfin loans

Flexible borrowing from Wonga

At Wonga, flexibility and transparency are at our core.

Providing a responsible solution for life's unexpected surprises, we differ from our competitors by putting you in control.

There are no hidden fees with a Wonga loan. We understand that life can get in the way sometimes too, and that’s why we offer a three-day grace period to give you some breathing space.

Wonga loans start from as little as R500. If you need R4 000 for one day, seven days or a few months, we can tailor our loan to you.

If you think Wonga might be the right lender for you, take a look at our available payday loans - we offer flexible short-term loans from 3 to 6 months.