What do I need to qualify for a loan?

You need to be a South African citizen, above 18 years of age, employed, and have an active bank account in your own name.

Do I need to be employed?

Yes. You need to be employed and earn a regular salary that is paid into your bank account.

Qualification guide

Personal loan requirements before you apply.

Understand the basic requirements Best Debt Finance uses before you send your details or visit the Centurion branch.

Start application Document checklist

Who can apply?

Basic personal loan requirements.

Best Debt Finance welcomes applications from clients who meet the basic personal loan requirements and can provide the needed documents for assessment.

You must be a South African citizen
You must be above 18 years of age
You must be employed and earn a regular salary
Your salary must be paid into your own active bank account
You need a valid ID, latest payslip, and 3 months bank statements

Can I qualify if I have existing debt?

You may still qualify by following the application process. Your details and documents help the team assess the application and confirm the next step.

Can I use someone else's bank account?

No. The bank account must be registered in your own name. Payments cannot be made into a third-party account.

Next steps

Prepare before applying.

DocumentsWhat documents are needed?

Prepare ID, payslip, and bank statements.

CreditWhat if I have bad credit?

ITC listings and clean records are welcome to apply.

TimingHow fast can it happen?

Understand BDFIN's same-day approval and payment service.