--- title: "Short-Term Loans South Africa: Costs & Lenders | Finmart" description: "Compare short-term loans of up to R8,000 from NCR-registered lenders. What they cost under the National Credit Act, how to apply and how to repay on time." canonical_url: "https://finmart.co.za/loans/short-term-loans/" language: en-ZA type: category date_published: 2026-09-16 date_modified: 2026-09-16 --- # Short-term loans compared Small amounts for a few days or months — compare what registered lenders charge, how fast they pay out and what you need to apply. ## Loans Total offers: 15 · Live data — as of 22.09.2026 | # | Offer | Organization | Overall rating | Loan amount | Loan term | Interest rate | Apply | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | Springloans | | | R100 – R8,000 | 62 – 120 days | 54.75% – 60% APR | [Get it](https://track.finmatcher.com/click?offer_id=1230&pid=8370&sub2=ai_agent_md&sub7=loans_short-term-loans) | | 2 | Cashgist | | | Up to R4,000 | Up to 30 days | 36% – 60% p.a. | [Get it](https://track.finmatcher.com/click?offer_id=1227&pid=8370&sub2=ai_agent_md&sub7=loans_short-term-loans) | | 3 | Jabulani Money | | | R500 – R4,000 | 62 – 90 days | 20% – 28% p.a. | [Get it](https://track.finmatcher.com/click?offer_id=1173&pid=8370&sub2=ai_agent_md&sub7=loans_short-term-loans) | | 4 | 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_short-term-loans) | | 5 | Creditbar | | | R500 – R5,000 | 7 – 61 days | | [Get it](https://track.finmatcher.com/click?offer_id=1229&pid=8370&sub2=ai_agent_md&sub7=loans_short-term-loans) | | 6 | Boodle | | | Up to R8,000 | 1 – 6 months | Up to 60% APR | [Get it](https://finmart.co.za/reg/?offer-id=761&offer-type=fast_loan&utm_source=ai_agent_md) | | 7 | Clickcredit | | | R500 – R8,000 | 5 – 40 days | 0.16% per day | [Get it](https://finmart.co.za/reg/?offer-id=762&offer-type=fast_loan&utm_source=ai_agent_md) | | 8 | Crediwise | | | Up to R8,000 | 30 – 62 days | 5% – 60% p.a. | [Get it](https://finmart.co.za/reg/?offer-id=765&offer-type=fast_loan&utm_source=ai_agent_md) | | 9 | Fasta Cash | | | Up to R15,000 | 1 – 6 months | From 3% per month | [Get it](https://finmart.co.za/reg/?offer-id=766&offer-type=fast_loan&utm_source=ai_agent_md) | | 10 | LendPlus | | | Up to R4,000 | Up to 90 days | From 0.17% per day | [Get it](https://finmart.co.za/reg/?offer-id=768&offer-type=fast_loan&utm_source=ai_agent_md) | | 11 | 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) | | 12 | Mpowa | | | Up to R8,000 | 30 – 45 days | 5% per month | [Get it](https://finmart.co.za/reg/?offer-id=771&offer-type=fast_loan&utm_source=ai_agent_md) | | 13 | PrimeLoans | | | Up to R8,000 | 62 – 90 days | | [Get it](https://finmart.co.za/reg/?offer-id=774&offer-type=fast_loan&utm_source=ai_agent_md) | | 14 | Sunshine Loans | | | R500 – R4,000 | 4 – 49 days | | [Get it](https://finmart.co.za/reg/?offer-id=775&offer-type=fast_loan&utm_source=ai_agent_md) | | 15 | Wonga | | | Up to R8,000 | Up to 6 months | Max. 5% per month | [Get it](https://finmart.co.za/reg/?offer-id=776&offer-type=fast_loan&utm_source=ai_agent_md) | ## Frequently asked questions about short-term loans ### How much can I borrow with a short-term loan? Up to R8,000 under the legal definition of short-term credit. First-time borrowers are often offered R500 to R4,000, with higher limits after they have repaid on time. ### What is the maximum interest on a short-term loan? 5% per month on the first short-term loan in a calendar year and 3% per month on any further short-term loans in the same year, plus capped initiation and service fees. ### Can I extend my short-term loan? Some lenders allow an extension, often by paying the interest due. An extension increases the total cost, and the overall term may not exceed 6 months, so treat it as a last resort. ### Do I need a payslip? Not always. Many lenders accept 3 months of bank statements that show regular income deposits instead of a payslip. ### Can I get a short-term loan on SASSA grants? Most lenders require income from employment or self-employment. Income consisting only of social grants is usually not accepted. ### How fast is the payout? Online lenders often pay within 15 minutes to 2 hours after approval during business hours. Some pay out 24/7 through instant payments; others pay applications approved after hours on the next business day. ## Other categories - [Loans](https://finmart.co.za/loans/) - [Personal loans](https://finmart.co.za/loans/personal-loans/) - [Payday loans](https://finmart.co.za/loans/payday-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/)