See your total first.
Repay on time and the total you see is all you pay.
- Paid into your account
- R500.00
- Initiation fee (once-off)
- R165.00
- Service fee (17 days)
- R34.00
- Interest (5% per month, 17 days)
- R13.97
Total to repay on Wed 25 November
Cost of credit R212.97
R712.97
First-loan pricing. Subject to approval.
How it works
DetailsThree charges. Capped by law.
All feesR165
Once-off initiation fee
R2
Service fee per day
5%
Interest per month
No insurance, application fee or early-settlement penalty.
Who can apply
- 18 or older with an SA ID
- Employed, with salary paid into your bank account
- Payday 5–31 days away
- Not under debt review
What you’ll need
- SA ID
- Latest payslip
- 3 months' bank statements
Questions
All FAQsHow much can I borrow?+
R300 to R1,000, repaid in one go on your next payday (5–31 days away).
Is approval guaranteed?+
No. We check affordability and your credit record, and may offer less than you asked for. If we decline, we tell you the main reason.
What does it cost?+
An R165 initiation fee, a service fee of R2 a day (never more than R60 a month) and interest of 5% a month on the amount borrowed, charged per day (3% a month for later loans in the same calendar year). Example: R1,000 for 30 days costs R274.32, so you repay R1,274.32. The calculator shows your exact total.
Any other fees?+
No. No insurance, application fee, early-settlement penalty or late-payment fee. If you pay late, interest keeps running at the same daily rate, capped by law at the unpaid balance.