About ZarCash
ZarCash exists to make the cost of South African short-term credit knowable before you apply. Interest and fees on this kind of credit are capped by law, which means the real cost can be worked out in advance — and yet most people take a loan without ever seeing the total they will repay.
ZarCash is not a lender
ZarCash is a comparison and information website. It is not a credit provider, a lender, a broker or a credit bureau. It does not grant, approve, underwrite, arrange or guarantee credit, and it does not accept loan applications. Every loan is granted by the NCR-registered credit provider named in the offer, and that provider alone decides whether to lend to you and on what terms.
What we publish
Every lender record on this site is transcribed from the provider’s own published material, with the source and the date attached. Where a provider does not disclose something, we say it is not disclosed rather than estimating it or leaving the field blank.
Every cost figure is calculated from the National Credit Act caps, not typed in by hand, so nothing here can drift out of step with the law as it stands. Calculations are unit-tested against worked examples.
We do not publish guaranteed approval claims, no-credit-check claims, exact payout-time promises, review scores we did not collect, or lender offers we cannot source.
How we make money
ZarCash may earn a commission when you click through to a partner and apply. That commission never determines the order in which providers are listed, and it never changes what we publish about them. Where a page carries a commercial link, a disclosure appears next to it.
What we will not do
We do not accept loan applications and do not collect your name, phone number, email address, South African ID number, bank details, employer, income or documents. There is no form on this site that asks for them, and there is nothing to sell on.
We do not rank lenders by what they pay us. Lists are ordered by how much each provider discloses, and that rule is applied before any commercial arrangement is considered.
We do not present loan offers on pages about debt review, over-indebtedness or borrowing without income. Someone reading those pages needs a debt counsellor or a grant office, not a credit link.
Related
Sources and last checked
- National Credit Regulator — register of credit providers — Regulator, as at 10 August 2026.
- National Credit Act 34 of 2005 and its regulations — Government, as at 10 August 2026.
Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.