JP Money

JP Money operates in your favor when money runs low. When you need cash immediately and there is no time to waste because you are in an emergency speak to JP Money. (more…)

Phumzakhele Investments

Phumzakhele Investments offers support to you when financially constricted. Cash needs are all around and demands can need money to be fulfilled. When you have no money going online is one simple solution you will find at Phumzakhele Investments. (more…)

6 months loans no credit check

6 months loans no credit check South Africa

6 months loans need little to no credit checks, making them the optimal choice! Want to pay past-due payments or make an emergency purchase before the end of the month? Not only can you acquire a small-to-large quantity of money with minimum credit checks, but you can also obtain the loan swiftly and conveniently by...

sa home loans

SA Home Loans

The country has been expanding its property market. The need for home loans has grown too. SA Home Loans was established 10 years ago and it is now the fifth largest credit provider in the nation. Providing home loans to South Africans is what the company does. Also give expert advice of procuring property. (more…)

Loans for Pensioners in South Africa

Loans for Pensioners in South Africa

Loans for Pensioners in South Africa Being blacklisted is the worst thing one can expect and would want done to them. Blacklisted means you don’t benefit from a lot of financial services given to other South Africans. Loans for blacklisted pensioners in South Africa The retiring age in South Africa is 65 and most retired people earn a...

Arcadia Finance

Arcadia Finance loans

Arcadia Finance is an online platform that connects you to a range of banks and lenders so that you may apply for a loan once and get several offers. Once you've submitted your loan application, you'll get a number of loan offers that you may weigh against one another before deciding on the best one....

Iemas Financial Services loans

Iemas Financial Services loans

Unique financial solutions from Iemas Financial Services Having financial security is important nowadays. The fast-paced world we live in is unpredictable, so having access to money when you need it most is important. It isn’t always possible to borrow money from family and friends, so being able to get access to funds through various lending institutions...

cheap loans

Cheap Personal Loans

Cheap and quick loans offer a way out of a tight situation financially. Most South Africans live a life of debt. It is a good idea to look for a cheap personal loan when you truly need it. Credit cards offer a fast and convenient way to spend money. However you must be disciplined to...

FinChoice loans application

FinChoice offers loans that are easy to understand. No need to be an advance scholar to interpret the fine print. The loans are straightforward. When you urgently need a loan you do not have time to go through confusing terms and conditions bullet points. You just need a loan and not a lecture on how...

BFS Loans, Bayport Financial Services

In the demanding world that we live in it is not a taboo to find oneself struggling to make ends meet when the end of the month comes rolling in. Bayport Financial Services knows that the 21st century lifestyle comes with numerous responsibilities that were not necessarily a part of everyday life some 100 years...

dube loans

Dube Loans

Have you ever felt as though the walls were closing in on you when you looked at all the debit orders that literally take money out of your bank account at each month end? A little anger here a little bitterness there and then you try by all means to console yourself with all the...

Money 24

Money 24 is certain that you have encountered situations when you need money urgently. Cash problems can arise even when you have a perfect monthly financial plan. (more…)

Loans 4 Payday

Loans 4 Payday

Get a cash loan of up to R150,000 in only thirty seconds. Need to make ends meet? Then an option to aid, such as a pay day loan, is available. Because the requirements of each individual are unique, we provide a variety of loan amounts ranging from R100 to R150,000. You may be eligible for...

Kopano Kwik Cash

Kopano Kwik Cash

Credit provider Kopano Kwik Cash complies with all norms and legislation of the National Credit Regulator. As a result, you can relax knowing that the information you provide will be treated with care and respect. Furthermore, we employ biometrics and mobile phone verification to ensure that the only person who takes out a loan under...

Equi Advance Loans

Equi-Advance Loans

Equi-Advance Loans are the type of loans that are made and meant for the individual or business related financing. The loans are designed to help maintain a lifestyle when a person is faced with difficulties in a month or year; they are a bail out to challenging situations. The loans cover businesses whether the company...

About Apply Loan

It’s possible to qualify for a loan from one payday lender but not another in South Africa since there are so many different lenders with different credit standards. was launched in 2010 to let clients submit a single loan application to several lenders in one go.

Get a payday loan

  • Fill up our simple paperless online application.
  • Your application will be sent out immediately to a number of different lenders located all across South Africa.
  • Get various loan options, and then choose the one that works best for you.

What's a Payday loan

Payday loans are short-term financial advances that typically range from R1000 to R250,000 in value and are due in full on the borrower’s next scheduled pay day.

What is the procedure for obtaining a Payday Loan?

As a result, the popularity of payday loans might be attributed to the fact that they can be obtained quickly. Payday loans may be applied for online in South Africa and people can expect to get their money within a few days. It’s another advantage of payday loans because they don’t need a lot of documentation in order to get one. A credit report isn’t necessary required to be eligible. Your application may be accepted if you can provide documentation of a regular source of income, whether you are employed or self-employed. You must provide the following:

  1. Documents proving your identity.
  2. Proof of where you live.
  3. You must provide proof that you will be employed for the length of the loan term.

Proof that you can pay back the loan or its installments within the stipulated timeframe is required by lenders. Another reason you could benefit from these loans is the lack of severe restrictions. Payday loans are an option if you have bad credit but need money now to meet an unforeseen need. The amount of time you have to pay back the loan, including interest, will depend on the terms of the loan. Depending on the arrangement you have with the lender, the repayment time will be decided.

Are they legal, and Is it possible to get a payday loan in South Africa?

In South Africa, getting a loan from a payday lender is perfectly legal. That is assuming that you get the loan from a credit provider who is authorized to provide credit. In South Africa, obtaining a payday loan is totally legal if the lender complies with all of the regulations outlined in the NCR. The National Credit Regulator requires every individual or company that extends credit to customers to be registered with the organization (NCR).

Are there any other financial options than payday loans?

  • Before you commit yourself to getting a payday loan, there are a few other options that you should investigate first:
  • Payment plans: You might contact to the company that provides your power, water, or phone service and see if they can come up with a payment plan for you. If you are behind on your payments, they may also be able to offer you an extension on the date that your payment is due.
  • Get in touch with your debtors as soon as possible: Have a conversation with your creditors to see whether or not you can push out the date on which payments are due, or whether or not you can come up with a new payment strategy that is satisfactory to all parties involved.
  • You should look into getting a personal loan from a different source, such as a credit union or a bank, since you may be eligible for one of their modest personal loans. The interest rates on these loans will be far lower than the interest rates provided by payday lending firms.
    Utilize your credit card if you have one. Although this is not the best long-term option, and you will still need to pay off your debt, using your credit card is at least a viable alternative to taking out a short-term loan, which often has a high interest rate right away.

What happens if I don't pay back my payday loan?

It’s true that payday loans have exorbitantly high interest and fees, making them almost hard to pay back. Collection agencies and even attorneys’ offices may be contacted if you can’t make payments on a payday loan. All of these actions will negatively impact your credit rating.

To repay payday loans, how do you go about it?

Payday loans, on the other hand, are not the same as long-term loans; rather, they are often short-term loans that are unsecured. These loans assist you have access to rapid cash so that you may make it to the end of the month or get through an emergency issue. They often need to be paid back in full on your next scheduled pay day.

payday loans south africa