FindBetter ways for apply for Personal Loans
Need a Loan But Have a Low Credit Score or Are Blacklisted?
We help South Africans who are blacklisted or have low credit scores get matched with lenders who understand your situation.
- Loans from R2,000 to R350,000
- Even if you've been declined before
- No upfront fees
- Soft credit check – won’t hurt your score
✨ EXCLUSIVE OFFER
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Your loan application means you're pre-screened. Let us find the phone contract that fits — no cost, no obligation.
Free callback in under 24 hours
A specialist compares every SA network for you.
- ✓ Deals across Vodacom, MTN, Telkom & Cell C
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- ✓ No impact on your loan application
See what you qualify for!
By continuing you agree to be contacted about phone deals.
Struggling to Get Approved for a Loan? You're Not Alone.
If you’ve been rejected by the bank, told your credit score is “too low”, or flagged as blacklisted, it can feel hopeless. But that doesn’t mean you’re out of options.
We work with lenders who look beyond your credit score.
We’ll help you find a loan that matches your profile – not just your credit history
- Success Stories from People Like You
“I was blacklisted after falling behind during COVID. I didn’t think I’d ever get help again. Find Better gave me a real chance and I got approved within 24 hours.”
– Lerato M., Johannesburg
“I tried 3 banks with no luck. Then I filled out the form on Find Better, and someone actually helped me. I now have a loan that I can afford, and I’m rebuilding my credit.”
– Sipho N., Cape Town
“I was stressed out and embarrassed to even try again. But FindBetter made it easy and discreet. Thank you for helping me breathe again.”
— Amanda K., Durban
- Why Choose FindBetter?
- We’re not a bank – we help you find lenders who are more flexible
- No hidden costs or false promises – just transparent help
- Safe, confidential, and no judgment – your info stays secure
- Thousands helped – real stories, real approvals
FAQ
Yes. While not all lenders accept all profiles, we work with lenders who will still consider you.
No. But we increase your chances by matching you with lenders based on your situation – not just your score.
No. We use a soft credit check to assess your profile – it won’t impact your score.
No – we help match you with lenders who can assist, based on your application.
Representative example
Monthly loan repayments
When you apply for a personal loan through FindBetter and have a lower credit score, we work to match you with a lender who understands your situation and offers realistic options. Your interest rate, fees, and repayment terms will depend on your individual credit profile and the loan amount you’re approved for. Repayment periods typically range from 2 months to 6 years, with interest rates between 15% and 29% per annum (compounded monthly).
Total Loan:
R10,000
Loan Period: 12 Months
Total Cost of Loan: R14,261
Representative example: Personal Loan
Representative example: All prices include VAT. R10,000 borrowed for 12 months, including a once-off initiation fee of R1207 and Monthly admin fee R69. APR between 15 – 29%. At an illustrative nominal interest rate of 5.93%, the monthly installment is R1,188 and the Total cost of the loan will be R14,261