Cash when you need it.
Without the runaround.
See exactly what you'll repay before you hand over a single document. Then apply in under five minutes. No upfront fees — not now, not ever.
- R500 – R20 000MICRO & UNSECURED LOANS
- Same dayPAYOUT ON APPROVAL
- R0TO APPLY. ALWAYS.
- NCRCP 7540NCR REGISTERED
What will it actually cost me?
Two moves. No sign-up, no credit check, no phone number required.
Indicative only, and deliberately on the safe side. Interest accrues daily and your instalments follow your paydays, so your written quote is usually a few rand lower than this. Based on 5% monthly interest and National Credit Act maximum fees. Subject to an affordability assessment. Credit life insurance may apply.
Start your application
Five questions. We don't ask for your ID number or banking details here — those come later, on our secured system, once you've seen your offer.
Tell us what you need
We come back to you the same working day.
What you'll need
Have these four ready and the whole thing takes minutes, not days.
Your SA ID
Green book or smart card
3 months' bank statements
PDF straight from your banking app
Proof of income
Latest payslip or income letter
Your cellphone
For the OTP and DebiCheck
Nothing to pay to apply. If anyone asks you for a fee to release a loan, it isn't us — read this.
Four steps. No surprises.
Tell us what you need
Five questions on this page. Roughly two minutes.
We check affordability
A responsible lending check, as the National Credit Act requires. Same working day.
You see the full quote
Every rand of interest and every fee, in writing, before you sign anything.
Money in your account
Accept the quote, confirm your DebiCheck mandate, and we pay out.
Three ways we can help
Different needs, different products — each priced within National Credit Act limits.
Micro Loans
Short-term cash for the gap between now and payday. Fast decision, fixed cost, no collateral.
- Amount
- R500 – R8 000
- Term
- 1 – 6 months
- Interest
- up to 5% p/m
Unsecured Loans
Larger amounts over a longer term, with no collateral and no asset of yours put at risk.
- Amount
- up to R20 000
- Term
- up to 12 months
- Interest
- up to 24.85% p/a
Debt Review Clearance
Stuck under debt review? We handle the clearance process properly so you can access credit again.
- For
- Consumers under review
- Outcome
- Rescission Order
- Support
- End to end
Here is exactly what a loan costs
Most lenders make you register before they'll show you a number. We'd rather you knew up front — if the maths doesn't work for you, we'd rather you didn't borrow.
Our pricing sits within the maximums set by the National Credit Act: 5% per month on short-term credit, a once-off initiation fee, and a monthly service fee of R60 a month. Nothing else. No admin fee, no "release" fee, no fee to apply.
Get my quote →Stay safe from loan scams
Afrika Finance will never ask you to pay a fee before releasing a loan. We will never ask for your banking PIN, your online banking password, or an OTP over the phone.
We contact clients only from 039 201 0482 and 063 878 5140, and only from email addresses ending in @afrikafinance.co.za. Our only application website is afrikafinance.co.za.
If somebody contacts you claiming to be us and something feels wrong, stop and report it to clients@afrikafinance.co.za, or call us directly on the number above.
Straight answers
Micro loans run from R500 to R8 000 over one to six months. Unsecured loans go up to R20 000 over up to twelve months. What you're actually offered depends on your affordability assessment — we will never lend you more than you can comfortably repay.
Short-term credit carries interest of up to 5% per month, a once-off initiation fee, and a service fee of R60 a month — all within National Credit Act limits. A R3 000 loan over 3 months costs about R4 063 in total. You receive a full written quote showing every rand before you sign.
Applications submitted during business hours are assessed the same working day, and approved loans are paid out the same day. Anything received after hours is handled first thing the next working morning.
You'll need a valid South African ID, a regular verifiable income for at least three months, an active bank account into which that income is paid, and a South African cellphone number. You'll also need three months of bank statements and your latest payslip.
While you're under debt review we can't extend new credit to you — no registered credit provider can. What we can do is help you complete the debt review clearance process properly, so the flag is removed and you can access credit again. Get in touch and we'll explain the steps.
By DebiCheck. That's an electronic debit order you confirm once with your own bank — in your banking app, or by replying to a message from your bank — so you always know exactly what will be deducted and when. Nobody can change the amount without your bank asking you first. You can also pay extra at any time to settle early.
No. Submitting the form on this page does not affect your credit score. A credit bureau enquiry is only performed as part of the formal affordability assessment, once you've chosen to proceed — and we tell you before it happens.
Ready when you are
Two minutes now, a decision today. And if you'd rather speak to a person, we're on the phone until 5pm.