Growing up in Johannesburg, Thabo Mokoena (34), Sarah Naidoo (32) and Kabelo Dlamini (35) saw first-hand how difficult it could be for ordinary South Africans to access fair, affordable credit.
They came from different backgrounds but shared a frustration with the lending industry. Confusing interest rates, lengthy application processes and unexpected fees meant that finding a personal loan often felt far more complicated and expensive than it needed to be.
The three friends believed there had to be a better way.
Combining their experience in financial services, technology and digital marketing, they set out to build a straightforward loan comparison platform: one that would help South Africans compare their options, identify competitive rates and find suitable lenders without spending hours researching and filling in applications.
Their goal was simple: help people borrow smarter, save money and get access to the funds they need as quickly as possible.
TM
Thabo Mokoena, 34
Co-Founder & Financial Services Lead
Born and raised in Soweto, Thabo studied finance at the University of Johannesburg before starting his career in consumer banking.
After several years in the lending industry, he grew increasingly frustrated by how hard it was for borrowers to understand the true cost of credit.
Thabo brings his knowledge of personal finance, responsible lending and the South African credit market to the business. He's passionate about helping people make informed borrowing decisions and avoid paying more interest than they need to.
SN
Sarah Naidoo, 32
Co-Founder & Technology Lead
Sarah grew up in Randburg and has always been fascinated by technology's potential to make everyday life easier.
After studying computer science at Wits University, she worked with several Johannesburg-based technology companies, developing digital products and customer-facing platforms.
When Thabo approached her with the idea of simplifying loan comparisons, she immediately saw the chance to bring modern technology to an unnecessarily complicated process.
Sarah leads the platform's technical development, focusing on making loan comparisons quick, intuitive and accessible, particularly for South Africans searching for credit on their smartphones.
KD
Kabelo Dlamini, 35
Co-Founder & Marketing Lead
Originally from Roodepoort, Kabelo studied marketing before building his career in digital advertising and customer acquisition.
Working with South African financial services businesses, he noticed how often people searched online for quick loans without a clear understanding of the interest rates, fees or repayment terms on offer.
He believed that better access to information could make a meaningful difference to people's financial wellbeing.
Kabelo oversees the platform's marketing, educational content and partnerships, making sure South Africans looking for credit can find clear, practical information alongside their comparison options.
Why we started
Like many South Africans in their thirties, the founders understand the financial pressures of modern life. From unexpected car repairs and household expenses to the rising cost of living, there are times when borrowing becomes a practical necessity.
But needing a loan shouldn't mean accepting the first offer you find.
The team built the platform around three guiding principles:
- Better value: helping borrowers compare lenders and identify competitive interest rates and repayment terms.
- Less hassle: making it easier to explore borrowing options without navigating numerous complicated websites.
- Greater transparency: giving people the information they need to understand what they're borrowing, what they'll repay and how different loans compare.
Today, the three founders remain committed to the idea that brought them together: South Africans deserve a faster, simpler and more transparent way to find affordable credit.
Because when it comes to borrowing money, a little more choice and a lot more clarity can make all the difference.
