Short-term loans, priced in the open.
Two products, one fee structure, and every rand of it published on this page. Work out your own figures with the calculator below.
- R500 – R5 000
- 30 to 155 days
- 5% per month, NCA capped
- No early settlement penalty
Loan calculator
Work out your repayment first.
Move the slider, pick a term, and see the full cost breakdown before you fill in a single form field.
How your loan is priced
Every short-term loan in South Africa is made up of the same four parts. We charge no others — there is no admin fee, no broker fee and no monthly "account" fee.
- Loan amount — the cash paid into your account, from R500 to R5 000.
- Initiation fee — a once-off fee of R165 on loans up to R1 000, then R165 plus 10% of the amount above R1 000, capped at R1 050.
- Service fee — R60 for each month of your term. This is the maximum permitted under the National Credit Act.
- Interest — 5% per month on the loan amount, which is the National Credit Act ceiling for short-term credit.
Settle early, pay less
You can settle at any time without a penalty. If you settle before the end of your term, the remaining monthly service fees fall away.
Loan quote
What will it cost me?
Repay over (months)
Client type
Loan amountR0.00
Initiation feeR0.00
Service feeR0.00
InterestR0.00
Credit life coverR0.00
Single repayment
R0.00
Total repayableR0.00
Illustrative quote only. Not a credit agreement. Your final offer depends on an affordability assessment in terms of the National Credit Act.
Product 01
Personal micro-loan
R500 to R5 000, repaid over one to five months. Our most-used product.
A personal micro-loan is for the ordinary gaps: groceries before payday, transport money, school fees, a deposit you didn't plan for, or stock for a side hustle. You choose an amount and a term that your budget can actually carry, and the repayment is collected by debit order on the day you get paid.
There are no middlemen. We are the credit provider, so the decision, the payout and the repayment all happen with us directly — which is why most applications are settled the same day rather than the same week.
What you need to apply
- Original South African ID or passport
- Your two latest payslips
- Three months of bank statements
- An active SA bank account, cellphone number and email address
Worked example
R1 500 borrowed over one month
Loan amountR1 500.00
Initiation feeR215.00
Service fee (1 × R60)R60.00
Interest (5% × 1)R75.00
Single repayment
R1 850.00
At a glance
- R500 – R5 000
- 1 to 5 month terms
- Debit order aligned to your payday
- Settle early without penalty
Product 02
Emergency loan
R500 to R5 000, repaid in one month. Same-day approval and payout.
Worked example
R500 borrowed over one month
Loan amountR500.00
Initiation feeR165.00
Service fee (1 × R60)R60.00
Interest (5% × 1)R25.00
Single repayment
R750.00
At a glance
- R500 – R5 000
- One month, repaid on your next payday
- Same-day approval and payout (terms apply)
- Minimal paperwork
Some things cannot wait for a bank. A medical bill, a car that won't start on a Monday morning, a burst geyser, a funeral in the family. An emergency loan is built for exactly those situations: one month, one repayment, and money in your account the same business day where possible.
Because the term is short, the total cost stays low — a R500 emergency loan costs R250 in fees and interest, and you know that number before you apply, not after.
What you need to apply
- Original South African ID or passport
- Your two latest payslips
- Three months of bank statements
Fee schedule
The whole price list, on one screen.
Every fee we are permitted to charge under the National Credit Act, and what we actually charge.
What we charge
| Fee | Amount |
|---|---|
| Initiation fee — loans up to R1 000 | R165.00 |
| Initiation fee — above R1 000 | R165 + 10% |
| Initiation fee maximum | R1 050.00 |
| Service fee, per month | R60.00 |
| Interest, per month | 5% |
| Early settlement penalty | R0.00 |
What we don't charge
- No broker or middleman commission
- No application or admin fee
- No monthly account fee on top of the service fee
- No penalty for settling your loan early
Late or missed repayments may attract default administration charges and collection costs as permitted by the National Credit Act. Contact us before your due date if you expect a problem.
You've seen the numbers. Ready to apply?
The application takes a few minutes. Have your ID, payslips and bank statements on your phone and you can finish it in one sitting.