What JustMoney does

JustMoney is a South African financial services aggregation and comparison platform headquartered in Cape Town that has operated since approximately 2009. The platform connects South African consumers with personal loans distributed through partnered lenders (Sanlam, for loans up to R350,000 at 16-28% interest over up to 84 months; Capfin, for loans up to R50,000 at 5-27.75% interest over 6-12 months), revolving credit (Nedbank credit cards), online shopping credit (Mobicred), debt consolidation, insurance products (via the JustMoney Protect sub-brand), savings and investment options, and free financial coaching. Core user-facing features include a free credit-score service, debt assessment, instant loan-eligibility feedback, a suite of free financial calculators (savings, tax, budget, home loan, vehicle finance, life insurance, retirement, currency converter), and an extensive library of articles, guides, and videos on personal finance. The technical footprint is a web-based platform accessible at justmoney.co.za and app.justmoney.co.za, paired with an Android mobile app (CreditSav) on Google Play; the CreditSav sub-brand at justmoneycreditsav.co.za handles credit-health monitoring.

Name

JustMoney

Legal name

JustMoney

Website

https://justmoney.co.za

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

JustMoney is a Cape Town-based financial services aggregator that connects South African consumers with personal loans, credit cards, insurance, debt consolidation, and financial coaching via partner institutions including Sanlam and Capfin, serving 700,000+ registered users on a freemium digital platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Cape Town

HQ country

South Africa

HQ region

Africa

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Lead Referral Fees: JustMoney earns referral fees when users are matched to and successfully apply for products from lending partners including Sanlam, Capfin, Mobicred, and Nedbank. The platform directs users to partner products and receives compensation for qualified applications.
2. Financial Coach Services: The platform provides free access to financial coaches as part of the user acquisition and retention strategy, helping users make good money choices and guiding them toward appropriate financial products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

JustMoney operates a free online financial services platform that provides South African consumers with credit score checking, debt assessment, financial coaching, and a comparison marketplace for personal loans (Sanlam up to R350,000 and Capfin up to R50,000), debt consolidation, savings and investment products, and insurance offerings delivered through partner providers. Revenue is generated primarily through referral fees earned when registered users are matched to and apply for partner financial products.

Product overview

JustMoney operates as a unified financial services platform and comparison marketplace targeting South African consumers. The core platform aggregates credit, lending, and financial wellness services through a network of partnered financial institutions including Sanlam (personal loans up to R350,000) and Capfin (loans up to R50,000). The product portfolio centers on the JustMoney main platform integrated with the CreditSav sub-brand for credit score monitoring, supported by free financial tools (calculators, budget planners), financial coaching services, and an extensive library of educational articles and videos. The architecture functions as a platform-plus-modules model where the core aggregation engine connects users with partnered lenders and insurance providers while value-added modules (calculators, coaching, content) support the customer journey and engagement.

Differentiator

Problem solved

Functional benefit

Brands

• JustMoney Protect: Insurance products and services offered by JustMoney, accessible at justmoneyprotect.co.za

Products and services

• Personal Loans Unsecured personal loans distributed through partner lenders Sanlam (up to R350,000, 16%-28% interest, up to 84 months repayment) and Capfin (up to R50,000, 5%-27.75% interest, 6-12 months repayment), with instant pre-qualification feedback based on affordability and credit score. Targeted at South African consumers seeking credit for emergencies, home renovations, education, debt consolidation, and medical expenses.
• Debt Consolidation Service that combines multiple debts into a single manageable monthly repayment, delivered through trusted partnered providers to help South African consumers avoid missed payments and reduce financial stress.
• Savings & Investments Financial products and guidance to help South African consumers secure their financial futures through savings accounts, investment products, and long-term financial planning tools accessible via the JustMoney platform.
• Insurance (JustMoney Protect) Insurance products offered through the JustMoney Protect sub-brand at justmoneyprotect.co.za, extending JustMoney's ecosystem to insurance coverage options for South African consumers.
• CreditSav Credit Score Platform Sub-brand credit health monitoring platform providing free credit scores, credit report access, and personalized tips to help South African consumers understand and improve their credit profile. Integrated with the main JustMoney platform and available as an Android app.

Quantifiable outcome

• Users have gone from R90,000 in debt to R0 balance with JustMoney guidance
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• SanlamcoreChannel Partner/ Reseller/ DistributorSanlam is a major South African financial services group providing personal loans through the JustMoney platform. Users can apply for Sanlam loans of up to R350,000 with interest rates ranging from 16% to 28%, depending on credit score and affordability. Repayment terms extend up to 84 months. Sanlam represents the primary high-value loan option on the platform.
• CapfincoreChannel Partner/ Reseller/ DistributorCapfin provides personal loans through the JustMoney platform with loan amounts up to R50,000. Interest rates range from 5% to 27.75% based on credit score and affordability, with repayment terms of six to 12 months. Capfin offers smaller, short-term loan options for users needing more modest borrowing amounts.
• MobicredsupportingChannel Partner/ Reseller/ DistributorMobicred offers online shopping credit solutions through the JustMoney platform, enabling users to make purchases at participating retailers and pay over time.
• NedbanksupportingChannel Partner/ Reseller/ DistributorNedbank provides credit card products through the JustMoney platform, offering users access to Nedbank credit cards as part of their financial product options.
• JustMoney ProtectsupportingChannel Partner/ Reseller/ DistributorJustMoney Protect (www.justmoneyprotect.co.za) is a separate but related platform providing insurance products, extending JustMoney's financial services ecosystem to include insurance coverage options.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hippo.co.za: Hippo.co.za is a leading South African price comparison and financial services aggregator that helps consumers compare quotes on insurance, loans, and other financial products, functioning much like JustMoney as a lead-generation and financial wellness platform.
• African Bank: African Bank is a South African retail bank providing unsecured personal loans, credit, and savings products to mass-market consumers, overlapping with JustMoney's personal loan and credit-building offering for the same underserved demographic.
• CompareGuru: CompareGuru is a South African financial comparison marketplace that lets users compare personal loans, credit cards, and insurance products from multiple providers, directly comparable to JustMoney's multi-lender referral model.
• Capfin: Capfin is a South African personal loan provider offering smaller short-term unsecured loans (up to R50,000); it is a core channel partner on JustMoney and represents the same credit-building consumer segment.
• ClearScore South Africa: ClearScore is a global credit-score and personal finance platform with South African operations that provides free credit reports and product-matching to lenders, a directly competing free-credit-score-plus-referrals model to JustMoney.

Broad incumbents

• Sanlam Personal Loans: Sanlam is a Tier-1 South African financial services group that supplies the higher-ticket personal loan product (up to R350,000) through JustMoney's platform, but also operates its own direct sales channels — comparable as a partner-and-rival lending incumbent.
• Nedbank: Nedbank is a major South African bank offering credit cards, personal loans, and wealth products; it is a distribution partner on JustMoney's platform and a broad incumbent whose direct channel competes with the aggregator flow.
• Old Mutual Finance: Old Mutual is a major South African financial services incumbent offering personal loans, savings, and insurance products to mass-market consumers, overlapping significantly with JustMoney's consumer finance and advisory positioning.
• LendingTree: LendingTree is a US-based online loan marketplace that aggregates multiple lenders and refers consumers seeking personal loans, mortgages, and credit cards; a globally comparable business model to JustMoney's aggregator-and-referral platform.

Regional players

• MoneyShop: MoneyShop is a South African personal loans comparison and financial education site that connects consumers with multiple lenders' loan offers, directly mirroring JustMoney's lead-generation business model in the same domestic market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about JustMoney