What you'll need:

  • South African ID number

  • a Mobile Number

  • Bank account details

  • 3 Month's Bank Statements

How to Apply:

1 Choose the amount you need
2 Choose how long you will need to repay
3 Click "Apply Now" and proceed to finalise your loan

Loan Amount

Loan Term

How much do you need?

When is your next payday?

Total Repayment:


By submitting your information you give Paydayloans.joburg consent to perform a credit check with a credit bureau.

Enter your South African ID Number

Please note that these are only approximate figures. All rates are calculated on a daily basis as stipulated by the National Credit Regulator. Please request a quote from us to determine the actual repayment amount and installment(s) should you wish to apply for a loan.

Why choose Paydayloan.joburg?

Because we have been there. We know what it’s like to run out funds mid-month. We know the shame that comes with borrowing money from friends and family. Even worse, we know how expensive it is to borrow from credit providers whose sole objective is to make as much money as possible, when we’re at our most vulnerable.

Our aim is to help as many people as possible to break the cycle of bad credit. We do this by structuring our loans to be as cost-effective as possible and being as transparent as possible about our costs. As we grow, we will be able to leverage our scale to reduce our costs even further whilst providing you with outstanding service.

About our loans

  • We are registered with the National Credit Regulator and pride ourselves on our ability to approve payday loans responsibly. Please only apply for a loan if you are confident that you are able to make the repayments. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.

  • Our loan application process is quick: Simply fill in the online application form and the assessment will happen in minutes. If approved, you could have money in your bank within minutes.

  • We will never increase the rate of interest that you pay

  • Flexible Repayments: Customers may pay back their short term loans early, with no penalties or fees. Just send us a mail to pay earlier.

  • We have no hidden fees: There are no other borrowing charges applied to your loan when money owed is paid on time, aside from the interest and you can repay your loan early with no penalty.

  • We take the obligation to treat our customers fairly, very serious: Our team is friendly and relatable: Our experienced loans support team are happy to handle any inquiries applicants may have. All applications for loans are confidential in compliance with POPI requirements.

What are the benefits of payday loans?

  • Easy and quick application

  • These loans are often available to people with less than perfect credit scores who struggle to find more traditional unsecured loans

  • They are unsecured, which means you don’t need to offer property or valuables to secure them

What are payday loans disadvantages?

  • They are relatively expensive with high interest rates due to higher risk

  • They come with risks to the borrower, as late payment fees and interest is applied if you missed payments.

  • You can only borrow limited amounts over shorter periods of time.


"Very quick responses, easy to understand process and helpful customer support"
- Mandisa Twala

"Tried them out, they are slightly cheaper than the other loan sharks out there"
- Mlamuli Kubheka

"Black owned and operated. I'm impressed with you, it's a professional outfit"
- Hennie Majola