CenturyFinancial Servicescreditza.co.za
AmountR500–R8,000
Term1–6 months
- SA ID & bank account
- 3 salary bank statements
- Rates published online
Loan options before your next payday
View all lendersMinimum term differs in calculator
AmountUp to R4,000
TermIn your quote
- Valid South African ID
- 3 months bank statements
- Online application
AmountUp to R8,000
TermIn your quote
- ID copy & proof of residence
- Bank statements & payslip
- Online application
AmountIndividual limit
TermIn your quote
- South African ID
- 3 recent bank statements
- Affordability assessment
AmountUp to R8,000
TermIn your quote
- Valid South African ID
- 3 months bank statements
- Online application
Published provider information · Reviewed 12 October 2026. These are not personalised offers or confirmed matches. Amount and term requests do not guarantee availability.
PUBLISHED PROVIDER COMPARISON
5 providersCompare repayment around your payday
Compare collection arrangements and check that the actual debit date fits your salary date.
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| Provider | Published amount | Repayment date / collection | Before payout | Cost to check |
|---|---|---|---|---|
| CreditZACentury Financial ServicesGet a loan | R500–R8,000 | Confirm payment dates and mandate in quote | Bank transfer after agreement and DebiCheck | Daily interest: 0.16% new / 0.10% subsequent; initiation fee and R69 monthly service fee |
 Get a loan | Up to R4,000 | Payment dates in account / agreement | Agreement and DebiCheck before bank payout; ask about eWallet | Obtain a dated quote; published rate descriptions differ |
 Get a loan | Up to R8,000 | Payment dates in account / agreement | Agreement and DebiCheck before bank payout; ask about eWallet | Confirm interest, initiation fee and monthly charges in quote |
 Get a loan | Confirm with provider | Debit order scheduled around salary date; confirm actual date | Bank payout; same-day statement is conditional | Interest, initiation and monthly service charges listed; amounts in quote |
 Get a loan | Up to R8,000 | Payment dates in account / agreement | Agreement and DebiCheck before bank payout; ask about eWallet | Confirm interest, initiation fee and monthly charges in quote |
What to confirm in your quote
Confirm the debit date, full amount due and what happens if your salary arrives late.
Sources: official provider websites and FAQs, linked with source notes in each provider profile. Reviewed 12 October 2026. Unknown terms are shown explicitly; published ceilings are not confirmed matches.
Can I afford a payday loan?
See how a repayment fits into your budget. Enter the full repayment from your lender’s quote.
R 3,000R 30,000
R 2,000R 20,000
R 500R 12,000
After expenses and repayment
left from your next paycheck
Loan repayment
Remaining funds
How payday loans work
Choose your amount and payday date
Use the calculator to plan your borrowing.
Apply online
Complete the application on the lender’s website.
Review the decision
Check the final quote, fees and due dates.
Receive your funds
If approved, payout depends on the provider and your bank.
Payday loan requirements
South African ID
Check accepted identification.
Active bank account
Usually in your own name.
Verifiable income
Evidence of regular income.
Recent income records
Documents vary by lender.
Age requirements
Minimum age varies by provider.
Frequently asked questions
What is a payday loan?
A short-term loan intended to be repaid around your next payday. Always check the actual repayment schedule.
How quickly can I get the money?
Decision and payout times depend on the lender, verification and your bank. Approval is not guaranteed.
What do I need to apply?
Typically identification, a bank account and verifiable income. Each provider sets its own requirements.
How much does a payday loan cost?
Review the total repayment, interest and all fees in the lender’s quote. The budget tool uses the repayment amount you enter.
Is it safe to apply online?
Use the provider’s official website, verify its registration and review its privacy information before sharing details.
Ready to compare
before your payday?
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the details for yourself.
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