Check your loan eligibility in about 2 minutes
A free, honest look at which of our registered credit providers may be a fit for you — before you upload anything, and without touching your credit score.
What we look at
Our eligibility check doesn't run a credit search on you. It compares the answers you give us to the criteria of the registered credit providers we work with, and highlights those you might realistically match with.
- Whether you have a valid South African ID
- Your employment status and how long you've been earning
- Your approximate net monthly income
- Whether you have existing debt or are under debt review
- The loan amount you're looking for
Basic requirements
Most of the credit providers on our panel need you to be 18 or older, have a valid SA ID, hold a South African bank account in your own name, and show a steady income — usually with at least three months of employment or self-employment history. Some providers may also ask for your most recent 3 months of bank statements as part of their own assessment. Requirements vary between providers.
What happens after you submit
You'll see a confirmation screen with your enquiry reference number. If a registered credit provider matches your profile, they'll contact you directly by phone or WhatsApp to complete their own assessment. If nobody matches your profile, nobody will contact you.
Being matched isn't the same as being approved. Every credit provider still runs their own affordability check and credit assessment under the National Credit Act before offering you any loan.
Start your free eligibility check
Answer a few quick questions and we'll show which of our registered credit providers may be a fit. It takes about two minutes and won't affect your credit score.
Lumo Loans is a loan enquiry and referral service. We are not a credit provider. Any loan is subject to the credit provider's own criteria and affordability assessment, in line with the National Credit Act.