PrimeLoans
- Amount: up to R4000
- Rate: from 0.5% per day
- Term: up to 90 days
- Approval: any credit history
Low interest rate
Looking for short term loans in South Africa? On our site you can compare trusted lenders like Lime, PrimeLoans, FinPug, Dengoo, Crezu, and LendPlus. Whether you need urgent approval, loans for bad credit, or options for unemployed borrowers, find the right offer in minutes.
Top Pick for New Borrowers in South Africa
Lime Editor's Choice
Payday loans are designed for urgent expenses that cannot wait until your next salary. They are usually smaller, short-term amounts that you repay in one payment or over a few instalments. In South Africa, lenders like FinPug, Crezu, and LendPlus make payday loans available fully online, with same-day payouts and minimal paperwork. These loans are suitable for covering medical bills, car repairs, rent, or other emergency costs.
Some payday loan providers, including FinPug and Crezu, do not require a full credit bureau check. Instead, they focus on your current income and repayment capacity. This makes them a popular choice for blacklisted borrowers or those with low credit scores. LendPlus also specialises in bad credit loans, offering smaller initial amounts with the option to increase limits after successful repayment.
| Lender | Max Loan | Term | Credit Check | Key Feature |
|---|---|---|---|---|
| Lime | R12,000 | Up to 6 mo | No | 1-hour approval |
| PrimeLoans | R7,000 | Up to 2 mo | Yes | 15-min average approval time |
| FinPug | R5,000 | Up to 3 mo | No | No hidden fees |
| Dengoo | R15,000 | Up to 6 mo | Yes | Same-day payouts |
| Crezu | R8,000 | Up to 4 mo | No | Compare multiple offers |
| LendPlus | R10,000 | Up to 6 mo | No | Special for bad credit |
Lime provides up to 6 months to repay. Dengoo and PrimeLoans offer repayment from a few weeks to several months, giving borrowers more control over instalments.
Typical ranges:
Lime and FinPug approve most applications in under an hour with minimal documentation — only ID, proof of income, and bank account needed.
Dengoo and PrimeLoans often transfer approved funds within the same business day, depending on your bank.
Sipho M., Johannesburg — I applied with Lime for R8,000. Got approval in 45 minutes and funds the same afternoon. Chose a 4-month repayment plan, and it fit my budget perfectly.
Thandi N., Cape Town — FinPug approved my payday loan of R3,500 in 20 minutes. No hidden charges, and I cleared it in two months.
Johan P., Pretoria — When my car broke down, Dengoo sent R12,000 to my account in less than a day. Their customer service explained all costs upfront.
Nomsa L., Durban — Crezu matched me with multiple offers. I picked the best rate and got R6,000 the same day.
Daniel K., Port Elizabeth — I was blacklisted, but LendPlus still approved R5,000 with a flexible 5-month plan. Now my credit score is improving.
Yes. In South Africa, lenders like LendPlus and Crezu often approve applicants with bad credit or those who are blacklisted. They focus on your current income and affordability instead of past credit history. Initial loan amounts for blacklisted borrowers are usually smaller (R1,000–R5,000) and can increase after successful repayments.
Most lenders process applications in 15–60 minutes. For example, PrimeLoans typically approves in 15 minutes, while Lime and FinPug can finalise approval and payout within 1 hour. Same-day payouts are available for most South African banks if you apply during business hours.
You need a valid South African ID, proof of income (recent payslip or 3 months’ bank statements), and an active South African bank account. Many lenders, such as FinPug and Crezu, allow you to submit these documents electronically, making the process 100% paperless.
Repayment periods range from 1 month to 6 months, depending on the lender and loan type. PrimeLoans and FinPug often provide loans up to 3 months, while Lime, LendPlus, and Dengoo offer up to 6 months for larger amounts. Always choose a term that matches your repayment capacity to avoid extra fees or penalties.
Yes, but eligibility depends on showing an alternative source of income, such as freelance work, rental income, or a pension. Lenders like FinPug and Crezu consider such cases and may offer smaller amounts (R500–R3,000) with short repayment terms.
Many lenders use a “soft” credit check, which does not affect your score. However, missing payments or defaulting will be reported to credit bureaus and can lower your score. Repaying on time, on the other hand, can improve your credit profile over time.