Your financial health is our priority. We are committed to the National Credit Act and fair lending practices.
At Ezemali, we believe a loan should solve a problem, not create a new one. As a registered Credit Provider (NCRCP18948), we strictly adhere to the National Credit Act (NCA) to ensure that every loan we approve is affordable for you.
How We Protect You
Affordability Checks
We verify your income and expenses to ensure you can comfortably repay the loan without compromising your essential living costs.
No Reckless Lending
We will never approve a loan if it puts you at financial risk. If we decline an application, it is often to protect your long-term financial well-being.
Transparent Costs
We adhere to the fee and interest rate caps set by the NCA. You will never be charged more than the legal limit.
Borrowing Wisely
We encourage all our clients to borrow responsibly:
Only borrow what you need
Use the calculator to choose your amount. Check the breakdown so you know exactly what your repayment will be.
Understand the costs
Use our calculator to see the full repayment amount before you apply.
Repay on time
Late payments can attract penalty fees and negatively impact your credit score, making it harder to get credit in the future.
Struggling with Debt?
If you are feeling overwhelmed by debt, there is help available. You can contact a registered Debt Counsellor for assistance.
Whether online or in-person, you get the same Ezemali promise: Fair, fast, and friendly.
National Credit Regulator (NCR): 0860 627 627 | www.ncr.org.za
