---
title: "Payday Loans South Africa: Registered Lenders | Finmart"
description: "Compare payday loans from NCR-registered lenders. How payday loans work, what they cost, how to spot illegal lenders and what to do if you cannot repay."
canonical_url: "https://finmart.co.za/loans/payday-loans/"
language: en-ZA
type: category
date_published: 2026-09-16
date_modified: 2026-09-16
---

# Payday loans compared

Short of cash before month-end? Compare registered payday lenders and see exactly what you will repay on payday.

## Loans

Total offers: 7 · Live data — as of 22.09.2026

| # | Offer | Organization | Overall rating | Loan amount | Loan term | Interest rate | Age | Apply |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | Cashgist |  |  | Up to R4,000 | Up to 30 days | 36% – 60% p.a. | 21+ | [Get it](https://track.finmatcher.com/click?offer_id=1227&pid=8370&sub2=ai_agent_md&sub7=loans_payday-loans) |
| 2 | Bongo Credit |  |  | Up to R4,000 | Up to 35 days |  |  | [Get it](https://track.finmatcher.com/click?offer_id=1219&pid=8370&sub2=ai_agent_md&sub7=loans_payday-loans) |
| 3 | Creditbar |  |  | R500 – R5,000 | 7 – 61 days |  | 18+ | [Get it](https://track.finmatcher.com/click?offer_id=1229&pid=8370&sub2=ai_agent_md&sub7=loans_payday-loans) |
| 4 | Boodle |  |  | Up to R8,000 | 1 – 6 months | Up to 60% APR | 18+ | [Get it](https://finmart.co.za/reg/?offer-id=761&offer-type=fast_loan&utm_source=ai_agent_md) |
| 5 | Clickcredit |  |  | R500 – R8,000 | 5 – 40 days | 0.16% per day | 18+ | [Get it](https://finmart.co.za/reg/?offer-id=762&offer-type=fast_loan&utm_source=ai_agent_md) |
| 6 | Lime24 |  |  | R500 – R8,000 | Up to 90 days | 0.16% per day |  | [Get it](https://finmart.co.za/reg/?offer-id=770&offer-type=fast_loan&utm_source=ai_agent_md) |
| 7 | Sunshine Loans |  |  | R500 – R4,000 | 4 – 49 days |  | 18+ | [Get it](https://finmart.co.za/reg/?offer-id=775&offer-type=fast_loan&utm_source=ai_agent_md) |

## Frequently asked questions about payday loans

### Are payday loans legal in South Africa?

Yes, when they are offered by credit providers registered with the National Credit Regulator and priced within the interest and fee caps of the National Credit Act.

### Can I get a payday loan without a payslip?

Often yes. Many lenders accept bank statements that show your salary deposits instead of a payslip, or verify your income through online banking.

### Can I get a payday loan with bad credit?

Some lenders focus on your current income and affordability rather than past problems. You will still go through a credit check, and applicants under debt review are usually declined.

### When is a payday loan repaid?

On the payday agreed in your contract. The lender collects the amount by debit order, so make sure the money is in the account that day.

### Can I get a payday loan on a weekend?

You can apply at any time. Some lenders pay out 24/7 through instant payments; others process weekend applications on the next business day.

## Other categories

- [Loans](https://finmart.co.za/loans/)
- [Personal loans](https://finmart.co.za/loans/personal-loans/)
- [Short-term loans](https://finmart.co.za/loans/short-term-loans/)
- [Quick loans](https://finmart.co.za/loans/quick-loans/)
- [Cash loans](https://finmart.co.za/loans/cash-loans/)
- [Online loans](https://finmart.co.za/loans/online-loans/)
- [Consolidation loans](https://finmart.co.za/loans/consolidation-loans/)