CenturyFinancial Servicescreditza.co.za
AmountR500–R8,000
Term1–6 months
- SA ID & bank account
- 3 salary bank statements
- Rates published online
Short-term loan options in South Africa
Minimum 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
Unifi information checked 7 October 2026; other provider data reviewed 6 October 2026. The exact amount, term and costs are confirmed in the lender’s quote. This comparison currently covers three products.
PUBLISHED PROVIDER COMPARISON
5 providersCompare short-term borrowing conditions
Compare the full charge structure as well as the advertised amount and term.
On small screens, scroll the table sideways to compare all details.
| Provider | Published amount | Customer restrictions | Published term | Interest and fees |
|---|---|---|---|---|
| CreditZACentury Financial ServicesGet a loan | R500–R8,000 | Published range; approval is individual | 1–6 months advertised; calculator minimum differs. Confirm exact schedule. | Daily interest: 0.16% new / 0.10% subsequent; initiation fee and R69 monthly service fee |
 Get a loan | Up to R4,000 | R4,000 maximum is for repeat customers; first-loan limit needs confirmation | Confirm in quote | Obtain a dated quote; published rate descriptions differ |
 Get a loan | Up to R8,000 | R8,000 maximum is for repeat customers | Confirm in quote | Confirm interest, initiation fee and monthly charges in quote |
 Get a loan | Confirm with provider | No confirmed public numeric limit | Confirm in quote | Interest, initiation and monthly service charges listed; amounts in quote |
 Get a loan | Up to R8,000 | R8,000 maximum is for repeat customers | Confirm in quote | Confirm interest, initiation fee and monthly charges in quote |
What to confirm in your quote
Daily and monthly rates use different time bases. Compare dated total repayments, not headline percentages.
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.
What to look for in a short-term loan
A clear repayment date
Know when each payment is due.
A suitable term
Compare the full payment schedule.
The total borrowing cost
Include all quoted interest and fees.
Published requirements
Check what the lender needs from you.
When might you consider a short-term loan?
Car repairs
Unexpected repair costs.
Home expenses
Urgent bills or repairs.
Everyday needs
Plan the cost before borrowing.
Medical costs
Unexpected health expenses.
Education
Consider study-related costs.
How it works
Choose amount and term
Set the amount and repayment period you have in mind.
Compare loan options
Check limits, costs and lender requirements.
Review the lender quote
The provider confirms eligibility and final terms.
Decide whether to apply
Continue on the official lender website.
Frequently asked questions
Does a matching card mean I qualify?
No. The filters compare your amount with published upper limits and maximum terms. They do not assess eligibility, confirm a particular term or predict approval.
Why is the full repayment not shown?
The final cost depends on the lender’s quote. We do not have a verified personalised repayment figure for your selected amount and term.
What documents will I need?
Requirements vary. Boodle lists a South African ID, internet banking access, verifiable income for the last 90 days and age 18 or over. Check each provider’s current checklist.
Can I repay early?
Wonga states that early repayment can save interest. Check the settlement amount and process with your chosen lender.
Where do I apply?
Use the official lender website. Finoro does not issue loans or collect application details on this page.