Under construction Loan Ranger is in development and not yet live. Everything you see is a working preview — the screens are real and the logic works, but all deals, buyers, lenders and figures are simulated. No applications are being submitted to any bank.
LOAN RANGERPreview
Finance for South Africans

One application.
Every bank. You choose.

A house, a car, equipment, a business or a personal loan. Upload the basics from your phone, we put it to the banks, and you pick from what they offer.

Apply now What can I afford?

It costs you nothing. The bank pays us, and only if your finance goes through.  ·  Preview — not yet accepting live applications.

One application ABSA FNB Nedbank Standard Bank SA Home Loans
Submitted same dayEach pack reshaped per bank
One pack, submitted to Every institution writing residential home loans in South Africa
  • ABSA
  • FNB
  • Nedbank
  • Standard Bank
  • SA Home Loans
0%
of the application, never typed
0 days
median to collect documents
0
signature still done by hand
To the cent
commission, bank and agency split

What happens, in order

01

You tell us what you need

Four questions. A house, a car, equipment, a business or a personal loan.

02

You send the basics

Identity document, a payslip, three months of bank statements. A photograph on your phone is fine.

03

We put it to the banks

Not all of them — the ones most likely to say yes, because every bank you ask marks your credit record.

04

You choose

Offers side by side, with what each costs over its whole life and not just each month. One button.

What does it cost me?

Nothing. No fee, no charge for an application, nothing taken off what you borrow. The bank that provides the finance pays us for bringing them a properly prepared application — and only if it goes through.

Do you push me to one bank?

The offers are ranked on what the finance costs you over its whole life, not on what any bank pays us. Where the cheapest month and the cheapest overall are different banks, the screen says so.

Is my information safe?

Nothing goes to any bank until you say so, and you can ask at any time for everything we hold about you and get the lot. That is your right under POPIA and there is a button for it.

For mortgage brokerages

Four steps. No retyping.

01

Buyer uploads

One item at a time, photographed on a phone. No password, no app.

02

AI builds

Every field traced back to the document it came from.

03

You release

A person signs off before any bank sees anything.

04

You get paid

Reconciled against what the bank actually settled.

Same buyer. Two answers.

Self-employed, applying for R2.565m.

R0
Declined
Read off his bank statement · qualifies for R1.29m
RECONCILED →
R0
Approved
Income built from the financials · qualifies for R2.63m

R186 000 a year of his income never touched his bank account. R284 400 that did was not his. Most originators never find either.

Compliance that refuses, not warns.

NCA · s80No invented income

Add-backs must pair with expenses or nothing releases.

POPIA · s71A human decides

No pack is built until someone signs their reasons.

FAISInformation, not advice

Ranked for you. Unranked for the buyer.

ECTA · Sch 2The one wet signature

Property sales can't be e-signed. We route around it.

Work it out first

What it costs, and what you can carry

Two sums, done properly. Transfer duty straight off the SARS table, not a guess.

Monthly repayment R19 565 on a bond of R1 800 000
Interest over the termR2 895 600
Total repaidR4 695 600
Transfer duty?R47 400
DepositR0
Cash needed up frontR47 400

Attorney and bond registration fees are on top and are set by your conveyancer, so they are not guessed at here. Ask for the quote early — on a R1,8m purchase they are usually the larger surprise.

Get this to every bank at once
You could carry a bond of about R2 050 000 at roughly R22 500 a month
Left after everything you spendR22 500
A bank will usually allow?R13 500
The binding one30% of gross
Instalment usedR13 500

This is the arithmetic a bank starts with, not the answer it gives. Self-employed, renting out property, or paid in drawings? The number moves — usually upwards — once somebody builds the real income figure.

Have it built properly

Transfer duty per the SARS table effective 1 March 2025. Rates and terms are indicative; what a bank offers depends on the application. Nothing here is a quote or an approval.

You pay when a bond registers.

Never per seat. A share of each registration, on what the bank actually paid.

Start free Model your numbers Talk to us

No card. Nothing to pay until a bond registers.