Get up to R5,000,000 within 24 hours. No collateral. No stress. Apply online today and experience the future of lending.
Apply Now
NCR Registered
4.8/5 Rating
256-bit Secure
With Oyster Finance, you can apply online 24/7 from anywhere in South Africa. It's fast, secure, and built for your convenience.
Our streamlined process ensures you can apply and receive approval in just minutes. We're committed to efficiency, knowing that time is often of the essence in financial matters.
Oyster Finance makes it easy to compare loan offers from over 19 banks with one quick online application. Check rates, terms, and benefits, all in one place.
We take your privacy seriously. That's why we use top-level encryption and strong data protection to keep your personal info secure. From the moment you apply to after you get your loan offer, your data is protected. Our system is always updated to block any threats.
Compare loan offers from over 19 banks with one easy application. You're free to accept or decline—no obligations, no pressure. Review and choose the option that suits your budget and goals. It's your choice, on your terms.
Users Online
Loans Approved
Total Paid Out
Get your loan in 3 simple steps with our streamlined process
Complete our easy online application form in minutes with our user-friendly interface designed for your convenience.
Our advanced AI system reviews your application within 24 hours, ensuring fast and accurate processing.
Funds transferred directly to your bank account securely and instantly once approved.
Estimate your monthly repayments with our advanced calculator
R0
Choose the right loan for your needs with competitive interest rates and flexible terms
Perfect for purchasing, refinancing, or building your dream property with flexible payment options.
Unsecured loans for personal use including education, medical expenses, travel, and more.
Working capital or capital expenditure for registered businesses to fuel growth and expansion.
Discover the perfect loan solution for your financial needs with our comprehensive comparison platform
Click to Learn More Same day Loan provide fast access to cash, often paid out within hours, making them ideal for emergencies or urgent bills.
Click to Learn More Business loans provide funding to help companies grow, manage cash flow, or invest in new opportunities. Whether you're starting out or scaling up, tailored loan options support your goals.
Click to Learn More Instant loans are designed for speed, with online applications approved within minutes and funds transferred shortly after.
Click to Learn More Cash loans provide quick access to money, often paid out directly into your bank account to help cover short-term financial gaps.
Click to Learn More Personal loans offer flexible financing for various needs, from home improvements to debt consolidation, with fixed repayment terms and competitive interest rates.
Click to Learn More Payday Loans are short-term loans meant to tide you over until your next salary, offering quick cash for urgent expenses.
Oyster Finance helps South Africans in the search for loans from different banks and lenders through our loan broker partners. We provide access to up to 19 reputable banks and lenders. By completing our loan application you will get multiple loan offers, which you can compare and select the most suitable offer. The service we offer is completely free of charge and you will not commit to anything by requesting for loan offers via Oyster Finance. We only work with trusted loan brokers who collaborate with NCR licensed banks and lenders in South Africa.
Apply nowWhat our clients say about us
Find answers to common questions
Our approval process is typically completed within 24 hours. Once approved, funds are usually transferred to your account within the same business day or the next business day.
Absolutely. We use bank-grade security measures and encryption to protect your personal and financial information. Your privacy and data security are our top priorities.
No. We believe in complete transparency. All fees and charges are disclosed upfront before you commit to the loan. There are no hidden costs or surprise fees.
To qualify for a loan, you must be at least 18 years old, a South African citizen or permanent resident, have a valid ID, and provide proof of steady income. Additional requirements may apply depending on the loan type.
Apply today and join thousands of South Africans already benefiting from Oyster Personal Finance.
Start My Application