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Arcadia Finance Loans: 2024 Review | Apply Online

Arcadia Finance Loans: 2024 Review | Apply Online

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Arcadia Finance loans offer convenience and make life easier for many South Africans. Strictly speaking, Arcadia Finance is not a lender. Instead, the company is an online loan broker that partners with different lenders and banks to help you find the right loan.

Is Arcadia Finance legit or not? This is a question many South Africans will ask before they use Arcadia Finance’s services. The answer is yes, this company is legit, and our complete Arcadia Finance review will show you the benefits of searching for a loan with Arcadia Finance and other essential details you need to know before applying.

Arcadia Finance RandWallet

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WHO IS Arcadia Finance?

Arcadia Finance is owned by Draivi Media, a leading Fintech performance marketing company based in Finland. The online loan broker works with reputable, trusted, and well-known South African financial services providers to help borrowers find the best loan for their situation quickly and easily.


  • Loan amounts from R100 to R250,000
  • Repayment term of 3–72 months
  • Minimum APR is 5%
  • Maximum APR is 60%


If you apply for a loan of R30,000 over 36 months or 3 years with an APR of 27.5% (interest rate plus fees), your estimated monthly repayment will be R1232.82. The total cost of your loan will be approximately R44,381.52. Keep in mind that this is the maximum APR. If your credit score is good, you may get a significantly lower interest rate, thus reducing borrowing costs.


✔️ Free loan finding service

✔️ Quick loan offers

✔️ Easy, no obligation application

✔️ Wide range of loans for different uses


❌ Arcadia Finance has no control over the interest rate or fees you may get charged with.


Finding the best loan that matches your circumstances can be difficult. That’s where Arcadia Finance comes in. Being able to fill in a single, free application and receiving multiple offers for a side by side comparison makes online easy for many South African borrowers.


Arcadia Finance connects applicants with different banks and lenders in one place. Borrowers can apply for online loans of up to R250,000 with a maximum term length of 72 months (6 years) respectively.


  • Want quick loan offers after completing your loan application
  • Are looking for the best deal by comparing many offers
  • Are interested in a convenient comparison tool for unsecured loans, including payday loans, short-term loans, and consolidation loans
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Full Arcadia Finance Personal Loans Review

Explore more about Arcadia Finance and learn how best to use this free service to search for loans in South Africa.

Arcadia Finance loan offer

Pros Explained

Arcadia Finance is a free service. Searching for a loan with Arcadia Finance is completely free of charge. There are no extra costs or fees to using this service, so you can take advantage by requesting loan offers via Arcadia Finance. 

This will help simplify and speed up the loan application process.

You’ll receive loan offers quickly. Once you fill in the free application, you’ll immediately receive loan offers via email, SMS, and WhatsApp. 

Borrowers can appreciate the quick responses, especially if they need money fast. The sooner you compare and select the best offers, the sooner you get the money you need.

You’re free to accept or reject offers. Once you submit a free application via Arcadia Finance, it’s up to you to decide which offer to accept. Since there’s no obligation or commitment, you can also reject any loan offers if the terms and conditions are not good for you. 

Get access to many loan offers in one place. You only need to fill in a single application form to unlock multiple loan offers from different lenders. 

This may be a better option than filling in many application forms with individual lenders. Once you review your offers, you can compare them by interest rate, cost, and terms and select the best offer that meets your unique needs.

Cons Explained 

Arcadia Finance can’t guarantee the terms of your loan. That’s because Arcadia Finance is an online loan broker, not a lender. 

It all depends on the lenders, whether your application is approved, what interest rate you get, and the terms and conditions of your loan. Arcadia Finance only helps you find the best available deal when you compare different offers side by side.

Is Arcadia Finance a Safe and Trusted Option?

Yes, Arcadia Finance is a legitimate business and is registered in South Africa. Arcadia Finance may not be a lender or banker, but the online loan broker only partners with authorised lenders registered with the NCR. 

That means the loan offers you receive will be from responsible lenders. Be sure to only apply with Arcadia Finance via their website to avoid scammers.

How to Apply for an Arcadia Finance Loan

If you’re searching for a loan with Arcadia Finance, you’re more likely to get approved if you meet the qualification requirements and understand the application process. 

What You Need to Qualify

  • Be at least 18 years old
  • Be employed (your current employment should be at least six months old)
  • A working bank account
  • A valid South African ID
  • Payslips or bank statements

Arcadia Finance Loan Application Process 

Step 1: Determine the type of loan you’re looking for. Consider the loan amount you need. The loan amount should not be more than 8 times larger than your income. 

For example, a borrower earning R2,000 per month can only qualify for a maximum loan amount of R16,000.

How much time do you need to pay off this loan? Knowing these details helps ensure you get suitable offers matching the loan you want.

Step 2: Fill in the free online application form. The application process is fully digital. Provide the required information so that Arcadia Finance can help you find the best loan. Double-check everything to ensure the details are correct. 

The application will be reviewed by different banks and lenders, so any missing information or errors will affect all your offers.

Step 3: Compare your loan offers. Compare the loan offers you receive based on interest rate, repayment terms, fees, and other costs. Choose the right loan for you and reject any offers that are not suitable. Once you accept the offer, complete the application to get the money in your bank account.

Arcadia Finance Contact Details

📌Mailing address: N°5 Sturdee Avenue, Suite 301, 2196, Rosebank, Johannesburg, South Africa

Other Companies Like Arcadia Finance

You may also be interested in the following options that are similar to Arcadia Finance:

  • MyLoan. MyLoan is a service that helps you find and compare the best online loans available from different lenders.
  • Moneyshop. Moneyshop is also a loan finding service that has partnered with South African financial services providers.
  • Hoopla Loans. Hoopla is a loan matching service specializing in payday and quick online loans.


Will my loan application be approved?

Banks and lenders are more likely to offer loans to full-time employees who have been employed for at least three or six months. 

If you have a good credit history and a reliable, sufficient income, then there’s no reason why you shouldn’t be accepted for a loan. Ultimately, it depends on the lender, since borrowers with bad credit may still qualify for a loan.

Will I get the exact loan I need?

Arcadia Finance partners with responsible and trusted lenders. These lenders will perform affordability checks to ensure you’ll be able to pay back the loan. 

That means you don’t always get the exact loan you want, but you can qualify for a loan matching your financial circumstances and credit history.

What interest rate will I get?

Interest rates vary from lender to lender. In most cases, you’ll get a personalised interest rate based on multiple factors, such as your credit score. 

If the interest rate you get isn’t right for you, you can simply reject the offer. Arcadia Finance will always do its best to help you find the best available online loans with low interest rates.

What types of loans are available?

Arcadia Finance offers various types of unsecured loans, including personal loans, payday loans, short-term loans, vehicle loans, and consolidation loans. Loan amounts range from R100 – R250,000 with terms of three to 72 months.

Will my application affect my credit score?

If the lender performs a hard credit check, this can temporarily lower your credit score. However, the effect is minimal. The best way to improve your credit score is to pay your monthly instalments on time.

Watch Video: Arcadia Finance – Loans up to R250 000

Our Research Expert

Gracie Makowe is a full-time personal finance writer with 10 years of experience and a Bachelor of Commerce in Financial Management from UNISA. Learn more.