One 2-minute form matches you with NCR-registered lenders across South Africa and finds your best offers for R500 – R8 000. Always free.
No queues, no paperwork, no faxing — everything happens online, from your phone or computer.
Choose your loan amount and repayment period, then fill in a few quick details. It takes less than 2 minutes.
Our system compares NCR-registered lenders and shows you the offers you're most likely to be approved for.
Complete your application with the lender you choose. Once approved, the cash is sent straight to your bank account.
Estimates at NCA maximum rates — your lender always quotes the exact cost before you sign.
| Loan amount | Term | Est. interest | Est. fees | Total repayable |
|---|---|---|---|---|
| R1 000 | 30 days | R50 | R225 | R1 275 ≈ est. |
| R3 000 | 30 days | R150 | R425 | R3 575 ≈ est. |
| R5 000 | 60 days | R500 | R685 | R6 185 ≈ est. |
| R8 000 | 90 days | R1 200 | R1 045 | R10 245 ≈ est. |
Interest capped at 5%/month + initiation fee + R60/month service fee per the National Credit Act 34 of 2005.
Whatever you need the money for, our partner lenders have an option that fits.
Bridge the gap until your next salary. Repay in one go on payday.
Spread repayments over 1 – 6 months for easier budgeting.
Unexpected bill? Get a decision in minutes and cash the same day.
Some lenders consider blacklisted applicants with steady income.
Why 250 000+ South Africans have used us to find their loan.
Instead of applying to lenders one by one, complete a single form and compare your matched offers side by side.
Every lender in our network is registered with the National Credit Regulator and lends under the National Credit Act.
Getting matched with lenders through Payday Cash doesn't involve a credit check, so your score stays untouched.
We handle your information in line with POPIA and only share it with the lenders you choose to apply with.
Most lenders pay out within hours of approval — often before the end of the business day.
Full-time, part-time, self-employed or on a grant — our network includes lenders for many income situations.
Real feedback from people we've helped connect with lenders.
"My geyser burst two days before payday. Applied in the morning, had R3 500 in my account by 2pm. Unbelievable service."
"I was worried because of my credit record, but Payday Cash matched me with a lender that actually looked at my income, not just my past."
"Simple and fast. The comparison saved me — the first lender I nearly used was much more expensive than the one I got matched with."
Everything you need to know before you apply.
See the offers you qualify for in under 2 minutes. Free, secure & no obligation.
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