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What is EasyCredit and how does it work?

EasyCredit allows you to borrow up to R300 000 which can be used as you wish, based on the amount of qualifying investments you own in your portfolio. Qualifying investments consist of the top 100 shares and the most liquid ETFs. 


We will allow you to borrow 33% of the value of the qualifying investments you own in your portfolio. This means if you have R100 invested in the top 100 shares and most liquid ETFs, you qualify for a R33 loan. 


The term of the loan is 12 months. This means that a loan must be fully paid back within 12 months, though you are able to pay it back sooner if you wish to do so. You can read a bit more about how to do this below. 


You are able to use your ZAR and TFSA accounts as collateral when applying for a loan.


There is no minimum loan amount. 

EasyCredit loans will be registered under the NCR (National Credit Regulator)

Activate your EasyCredit account in a few easy steps:

  1. Log in to your EasyEquities account
  2. Click on your profile menu (top right) and select Account Management
  3. Select Activate New Accounts
  4. Select EasyCredit

Alternatively, if you are using the EasyEquities app, you will have the option to activate this account by selecting the EasyCredit card on the Portfolio tab of your account. 


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© EasyEquities. EasyEquities is a product of First World Trader (Pty) Ltd t/a EasyEquities which is an authorized Financial Services Provider (FSP number 22588). All trades on the EasyEquities platform are subject to the legal terms and conditions to which you agree to be bound. The EasyEquities platform enables users to invest in securities which includes whole shares and fractional share rights (FSRs). EasyEquities acts as an agent for the issue of whole shares, where the investor is the registered owner of those shares, entitled to dividends, participation in corporate actions and all the economic benefits and risks associated with share ownership.

In respect of FSRs, EasyEquities acts as principal to a contract for difference issued to the investor, where the investor will have a contractual claim against EasyEquities to the economic benefits and risks associated with share ownership (price movements and dividends) without having ownership rights in the underlying share. Fractional share rights (FSRs) which are issued through a contract for difference, are an over the counter derivative. Unlike whole shares, FSRs do not carry any voting rights. As the investor makes further investments in FSRs and ultimately ends up with a whole share, the contract for difference is closed out and ownership whole share is delivered to the investor.

The availability of any share on the EasyEquities platform is based on various factors but is not an indication of value and does not mean that any share is an appropriate investment for you.

The availability of any share on the browse shares page does not necessarily indicate any contractual relationship between EasyEquities and the listed company, or the payment of fees for services. Brand Logos are owned by the respective companies and not by EasyEquities. The use of a company’s brand logo does not represent an endorsement of EasyEquities by the company, nor an endorsement of the company by EasyEquities, nor does it necessarily imply any contractual relationship. Further investment disclosures are available on the EasyEquities website.

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EasyEquities is a subsidiary of Purple Group Limited, a company listed on the JSE Limited (PPE)