Tell Us About Yourself
Fill in a short 2-minute form — your income, employment type, and the loan amount you need. No sensitive documents required at this stage.
NCR-Compliant · Free · No Credit Impact
Compare South Africa's Top Loan Options — In Under 3 Minutes
Folmeris matches you with NCR-registered lenders based on your real profile. No hidden fees. No hard credit inquiry. No guesswork.
- 100% free comparison — you pay nothing to use this service
- Soft check only — comparing won't affect your credit score
- NCR-compliant lenders only — your rights are protected
Folmeris is a comparison service, not a lender. Loan approval, rates and terms are determined by individual lenders. Results may vary. Representative example: R10,000 over 12 months at 29.25% p.a. = R1,068/month. NCR Act 34 of 2005 applies.
Lenders on our panel include
Absa
FNB
Nedbank
Standard Bank
African Bank
Capitec
Wonga
RCS
All lenders are registered with the National Credit Regulator (NCR) as required by the National Credit Act 34 of 2005.
Folmeris does not endorse specific lenders. Panel composition may change. Always read the full loan agreement before signing.
Simple Process
How Folmeris Works
Three simple steps. No paperwork. No branch visits.
We Match You Instantly
Our system compares your profile against NCR-registered lenders to find options you're likely to qualify for. This is a soft check — your credit score stays intact.
Choose & Apply Directly
Review your personalised loan matches — rates, monthly repayments, and terms displayed clearly. Apply directly with your chosen lender. No middleman fees. Ever.
Free, Instant, No Credit Impact
Find Your Best Loan Match
Takes 2 minutes. Free. No credit impact.
Free Comparison Tool
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NCR-registered lenders
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Zero credit score impact
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Average to first match
Our Promise
Why South Africans Trust Folmeris
We built this for people who've been turned away or misled before.
NCR-Registered Lenders Only
Every lender on our panel is registered with the National Credit Regulator. Your rights under the NCA are always protected.
Soft Credit Check Only
Comparing your options with us will never show as an inquiry on your credit report. Zero impact, guaranteed.
Transparent Costs
We display monthly repayments, interest rates, and all fees upfront — in plain Rands. No small print surprises.
Results in Under 3 Minutes
No branch visits. No queues. No faxing payslips. Just a short form and instant personalised matches.
Free for You, Always
Folmeris earns a referral fee from lenders when you apply — you pay absolutely nothing to use this comparison service.
Works on Any Phone
Designed first for mobile South Africans. Full functionality on any smartphone, on any network, even on slower connections.
Why Comparison Saves Money
The Right Lender Can Save You Thousands of Rands
Applying to the first lender you find often means higher rates. Our comparison shows you lenders most likely to offer competitive terms based on your actual profile — not a one-size-fits-all rate.
Folmeris matched rate (R10,000 loan) ~R580–R680/mo
Walk-in / first-lender rate ~R920–R1,100/mo
Illustrative example only. Actual rates depend on your credit profile and individual lender assessment. NCR Act 34 of 2005 applies.
Avg. Monthly Repayment — R10,000 Loan
Jan–Dec 2024 · Illustrative
Real Stories
South Africans Finding Better Loans
“I'd been rejected twice before finding Folmeris. The form took literally 2 minutes and I had three loan options on my screen. I went with African Bank and was approved within a day. Dead simple.”
Thandi M.
Johannesburg
“What I liked most is that they tell you upfront what the monthly repayment will be. No nasty surprises. I used it for debt consolidation and it's working out well for me.”
Sipho K.
Durban
“As someone who's self-employed, banks usually make it very hard. Folmeris matched me with lenders who actually work with self-employed people. Refreshing.”
Liezel van der Merwe
Cape Town
Testimonials are illustrative of typical customer experiences. Individual results may vary. Folmeris does not guarantee loan approval or specific rates. Names and locations may be altered for privacy. NCR Act 34 of 2005 applies.
Common Questions
Frequently Asked Questions
100% Free · No Credit Impact
Ready to Find Your Perfect Loan Match?
Join thousands of South Africans who have used Folmeris to compare NCR-registered lenders and find the right loan — without damaging their credit score.
- Takes under 3 minutes
- Soft check only
- Zero fees to you
Folmeris is a comparison service, not a lender. Representative example: R10,000 over 12 months at 29.25% p.a. = R1,068/month. NCR Act 34 of 2005 applies. Please borrow responsibly.