The RandHaven loan range

Payday Plus for returning customers.

A R3 000-R5 000 loan example with one repayment after 21, 30 days. For eligible returning customers.

Estimate your total repayment

Repayment estimate · the provider confirms your final costs

Loan option

How much do you need?

R3 000.00R5 000.00

When could you repay?

You would repay onceR4 773.75

After30 days

Includes a Circle fee saving of R30.00.

View the cost breakdown

Amount you receive: R4 000.00
Interest (5% per month): R200.00
Initiation fee incl. VAT, before benefit: R534.75
Circle benefit if applicable: −R30.00
Service fee incl. VAT: R69.00
Credit-life insurance: R0.00
Total to repay: R4 773.75

Include the fee benefitCalendar-year interest example

This classification is separate from being new to RandHaven. The applicable rate must be checked before an offer.

Illustrative start date

Service fees are apportioned by calendar month. Interest uses a disclosed 30-day month assumption. Read the method.

Apply for a loan

You’ll continue to an independent partner. Approval, rates and available benefits depend on the provider. How the link works.

This is an illustration, not a quote or loan approval. Credit and affordability checks would apply. All costs and conditions.

Interactive controls need JavaScript. The complete example above remains available: R4 000.00 for 30 days, 5% monthly interest, R4 773.75 total. Contact information.

terms

Product detail	terms
Amounts	R3 000-R5 000 in R50 steps
Term	21, 30 days
Repayment	One payment of the full balance
Audience	Returning customers, subject to new assessment
Interest example	5% first / 3% subsequent short-term loan in a calendar year
Fees	Initiation and calendar service fees; see itemised example
Insurance	None included in this estimate

Compare repayment terms

Compare the same amount, customer example and benefit. A longer term costs more in this model.

Same amount	Shorter term	Longer term
Money received	R4 000.00	R4 000.00
Term	21 days	30 days
One repayment	R4 693.05	R4 773.75

Both examples start on 1 November 2026. Includes the same benefit and 5% monthly interest. Choose a term you can afford.

Fee benefits and eligibility

Circle provides up to R30 off an eligible initiation fee after a prior fully settled RandHaven loan within 24 months. Benefits include assumed VAT, stop at zero, do not stack and are not paid in cash. The statutory interest classification is separate.

See Circle eligibility and savings

Make sure the repayment fits

Consider the whole payment alongside essential living costs and current commitments. The product is not designed for an ongoing monthly deficit, to refinance an existing RandHaven loan or to fund speculative spending.

Review the requirements, full costs and loan information. If an existing payment is difficult, start with support.