Smart Lending for Every Generation
Get access to affordable short-term loans designed to help you manage unexpected expenses without long-term debt. We provide transparent, responsible micro lending for employed individuals with a regular income.
online applications
Apply via our website or WhatsApp
Lending You Can Rely On
We are a registered credit provider with the National Credit Regulator (NCR) and operate in accordance with the National Credit Act. Every application is assessed responsibly to ensure compliance and affordability.
Short-Term Micro Loans That Fit Your Pay Cycle
Our short-term loans are designed to assist with temporary cash flow needs between paydays — without committing you to long-term repayment.
These loans are suitable for:
Unexpected Expenses
Handle sudden costs that can't wait until your next payday
Urgent Bills
Pay time-sensitive bills and avoid late payment penalties
Short-Term Financial Gaps
Bridge the gap between paydays with structured support
Often referred to as payday loans, our short-term micro loans are structured with repayment linked to your salary date for greater predictability.
Clear Terms. Structured Repayment. Regulated Lending.
We focus on providing short-term credit that is:
Straightforward
No unclear fees or hidden charges
Regulated
Fully compliant with South African credit law
Income-Based
Tailored for employed borrowers
Short-Duration
Designed for temporary needs, not ongoing debt
Our approach prioritises clarity, compliance, and suitability for short-term borrowing.
A Simple, Structured Process
Apply Online
Submit your application securely from anywhere via our website or WhatsApp.
Assessment
We conduct affordability and credit checks in line with NCR requirements.
Decision & Payout
Approved applicants receive funds quickly.
Payday Repayment
Repayment is scheduled around your next pay date.
Our Lending Standards
As a registered NCR credit provider, we follow regulated lending practices and conduct affordability assessments on all applications. Loan approval is not guaranteed and is subject to statutory credit checks, terms, and conditions.
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Eligibility Requirements
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Frequently Asked Questions
Find answers to common questions about our short-term micro loans, application process, and lending standards.
A short-term micro loan is a small loan intended to be repaid over a short period, usually aligned with your next payday. These loans help bridge temporary cash flow gaps.
Once your application is approved and all documentation is verified, funds are typically disbursed within 24-48 hours directly to your bank account.
Yes. We are registered with the National Credit Regulator (NCR) and comply with all applicable South African credit legislation.
Repayment is aligned with your salary date. The loan term is typically between 1-3 months, with repayment deducted directly from your account on payday.
You'll need a valid South African ID, proof of income (recent payslips), bank statements, and proof of residence. All documents can be uploaded digitally.
Each application is assessed individually. While we do conduct credit checks, we consider your current affordability and employment status as key factors.
Loan amounts vary based on your income and affordability assessment. First-time borrowers typically qualify for smaller amounts, with limits increasing over time.
No. All fees are disclosed upfront in your loan agreement. We comply with NCR regulations, which cap interest rates and fees on short-term loans.
Need Short-Term Support Until Payday?
Apply online today for a short-term micro loan from a regulated South African credit provider.