Loan products
Amounts and terms shown below are illustrative ranges. What you're offered depends on your affordability assessment.
Choose an option
Options that fit different needs.
Quick Cover
For a small, unexpected expense between paydays.
- Amount range
- R500 – R1 000
- Term range
- 3 months
Illustrative range. Not a guarantee of approval.
Planned Spend
For a larger, planned cost you'd rather spread out.
- Amount range
- R1 000 – R3 000
- Term range
- 3 months
Illustrative range. Not a guarantee of approval.
Familiar Terms
For customers who have borrowed and repaid with us before.
- Amount range
- R3 000 – R5 000
- Term range
- 3 months
Offer reflects your repayment record with us.
Transparent costs
What makes up your repayment.
| Component | On this example* |
|---|---|
| Amount borrowed The cash paid to you | R 3 500 |
| Interest Illustrative, on reducing balance | R 190 |
| Monthly service fee Charged each month of the term | R 180 |
| Hidden fees There are none | R 0 |
*Illustrative figures for a 3-month example, to show the structure of costs. Your actual pricing is confirmed in your written offer — never on this page.
How pricing works
Every fee we charge is capped by law.
CASH ZA is priced under the National Credit Act. That sets a ceiling on each component — we cannot exceed it, and we do not add anything outside it.
- The initiation fee
A once-off fee for setting up the agreement, calculated from the amount you borrow and capped by regulation.
- The interest
Charged monthly at a rate capped for short-term credit. Borrow from us again and a lower rate applies.
- The monthly service fee
A fixed monthly administration fee, also capped.
- Nothing else
No arrangement fees, no early settlement penalty, no charge for talking to us.
Choosing an amount
Borrow the smallest amount that solves the problem.
A larger loan costs more in every component. The right amount is the one that fixes what went wrong, not the maximum you might qualify for.
Before you choose
- Work out the actual shortfallThe exact rand amount you are short, not a round number.
- Check the instalment against your monthIt has to survive a month where something else also goes wrong.
- Count what you already repayExisting debit orders come off the same salary.
When a loan is the wrong answer
- To repay another loanMoving debt around usually costs more than it solves.
- For an ongoing shortfallShort-term credit does not fix a monthly gap. It widens it.
- Because someone pressured youIf anyone is rushing you, that is a reason to stop.
Ready when you are
Start with an estimate — no pressure.
See what a loan could cost you, then continue only if the numbers work for your budget.
