4 steps, 2 minutes, R0 cost. Get matched with NCR-registered lenders and receive your cash the same day. Here is exactly how it works.
Start by deciding how much you need and how long you want to repay it. Use our free loan calculator on the homepage to get an estimate of your monthly payments.
Fill in a quick online form with your basic details. This typically takes about 2 minutes and does not require any document uploads at this stage.
We submit your application to multiple NCR-registered lenders simultaneously. Within minutes, you receive personalised loan offers tailored to your profile.
Select the loan offer that best fits your budget. Complete the lender's verification process and receive your funds -- often on the same day.
Using our matching tool does not affect your credit score. When you choose a lender and formally apply, the lender may perform a credit check which could have a minor impact on your score. However, a single enquiry has a negligible effect.
Most lenders in our network provide a decision within minutes to a few hours. Short-term lenders often approve within 15 minutes. Banks and larger lenders may take up to 24 hours for a formal approval.
Yes, our service is 100% free for consumers. We earn a referral fee from lenders when you successfully take out a loan. This does not affect the rate or terms you receive -- lenders offer the same rates whether you apply directly or through us.
To complete the application with your chosen lender, you will typically need: a valid SA ID (green barcoded or smart ID), proof of income (latest 3 months' payslips or bank statements), proof of residence (utility bill, lease agreement, or bank statement not older than 3 months), and your banking details.
Yes. Our network includes lenders that specialise in impaired credit. While rates may be higher, you can still see offers. Note that if you are currently under debt review (NCA Section 86), you cannot legally take on new credit.