How we compare offers and how we earn money

Who we are

CoolFinance.co.za is operated by double technology s.r.o. (VAT CZ08695717). We are an online comparison service. We are not a lender, we are not a credit intermediary and we do not give financial advice or personal recommendations. We do not receive or process loan applications: when you click a button such as "Apply" you leave our website and any application is made directly with the provider, under the provider's own terms.

How we earn money

We earn money in two ways. First, providers may pay us an affiliate commission when a user clicks through to the provider's website and submits an application for a product. Second, our pages show contextual advertising from Google AdSense (Google, an Alphabet company), for which we are paid when ads are displayed or clicked. These payments do not increase the price you pay, but they mean that we have a financial interest in clicks and applications. Links and buttons marked "ad" are commercial links.

Which offers we show and how they are ordered

We list offers from selected providers; the list does not cover the entire market. The order in which offers appear is set by us and may reflect our commercial arrangements with providers, popularity and user ratings. It is not a personal recommendation. Figures such as interest rates are indicative and come from provider information; the APR and the representative example on the provider's own website are decisive.

Accuracy of information

Rates, amounts, fees and terms are supplied by providers and may change without notice. Always check the current terms, the total cost of credit and the representative example on the provider's website before you decide. Content on this website is for information only and is not financial advice.

Borrow responsibly

Borrowing money costs money. Only borrow what you can afford to repay. If you have trouble repaying a loan, contact your lender at once or a free debt counselling service.