Loans from R500 up to R4000

Are You Looking for Personal Loans?

We can help you with instant personal loans between R500 and R4000 with no upfront fees

Loan Amount


Loan Period(in days)




Total Payable

Apply For Loan

Note: These are estimates, the exact amounts will be provided upon loan applications

Benefits of CreditWorth



By focusing on you, not your credit score, we find more reasons to say YES and unlock access to loans from R500 up to R4000.00



We give you options to find a monthly payment that will work within your budget



Our team of friendly loan specialists are here to help you via email or by phone:

How It Works

You can apply using any of the methods below and get an approval and money within 24 hours with No Hidden Fees. Note: For all these method, we require an Original SA ID, 1 month latest payslips, 3 months latest bank statements


Complete our online application form, we'll get back to you as soon as possible to complete your loan application.

Apply Here


Send us an email with your loan amount, banking details and all the required documents attached. We'll get back to you as soon as possible to finalise the application.

Email Here

Office Walk-In

Visit one branch office, with all the required document and your application will be process instantly.

Find Us Here
Online Application

No need for long queue

Application can be done online. Get ready, follow the steps below and the money will be in your account on the same day.

  • Apply Online or via Email
  • Upload all Required Documents
  • Sign Electronic Contract
  • Approve Debit Order Mandate
  • Receive Payment on the Same Day
Online Application

Requirements For Loan

To qualify for payday loans through our website, you must meet the following criteria:

  • Be over 18 years of age
  • SA resident and citizen
  • In permanent employment
  • Earn a monthly income of R3500 or more
  • Not currently under debt review
  • Agree to a credit check
  • We will not assist you if you are self-employed

Frequently Asked Questions

Have any question? Let us answer them

What is a personal loan?

An unsecured personal loan is money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time.

What’s the difference between an interest rate and an APR?

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive both of interest rate and all other associated fees. For example, the cost of an origination fee is included in the APR. When comparing loan products, it is important to compare the APR of each product.

How long will it take to get my money?

Personal loan funds are transferred on the next business day if the terms are accepted before 5pm Monday-Friday excluding holidays. If the terms are accepted after 5pm , on a weekend, or on a holiday, the funds will be transferred on the following business day.

Will it affect my credit score?

Checking your rate on Upstart will not affect your credit score. If you proceed with your application after receiving a rate your credit score may be impacted. When you check your rate, we make a "soft credit inquiry." Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made. If you are offered a loan and proceed with the application, a "hard credit inquiry" will be completed to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your credit score.


On submission of the aforementioned application form, some of your details will automatically be sent to all of the lenders in our system at once. Each lender has their own software, connected to ours which can automatically determine your eligibility on the fly and should you be matched with a lender, they’ll present you with a loan offer.

Loan Offer / Acceptance?

Once you have been matched with a lender, you’ll be presented with their loan offer and terms. The amount the matched lender is prepared to offer you will be determined by your eligibility criteria and may be less than you originally requested. You will then have the choice as to whether to agree to the terms of the offer or simply decline it. Should you accept the offer the funds will be transferred to you.

Bank Transfer?

On acceptance of the loan offer, the money will be sent direct to your bank account using the details you provided during the application process. This is also the same bank where your regular loan repayments will be taken from so it’s important that you enter the correct details. The time taken for the money to arrive will depend on the lender and your own bank.


We charge a monthly R90 service fee and a 3% interest charge for any non-repayments. If you refrain from making payments for two months, your account will be sent to an external debt collection company. This could affect your credit score and may hinder you from receiving credit or other financial help from external providers in the future.

Are You Looking for Personal Loans?We can help you with instant personal loans between R500 and R4000 with no upfront fees