Programme: RandHaven Circle · Version: RH-CIRCLE-1.0 · Published: 12 November 2026. A benefit applies only where explicitly included in the provider’s quotation.
Organiser and scope
RandHaven Financial Services (Pty) Ltd publishes the Circle rules for the Pocket, Payday and Payday Plus range. Participation is free. An independent partner is not automatically a Circle participant: its written quotation must confirm the benefit before acceptance.
Who could receive the benefit
An adult customer meeting the product criteria who has fully settled at least one previous RandHaven loan within 24 months before the new agreement. The operator must verify settlement and timing through its lending process. This public website cannot make that determination.
The benefit and its limit
The reduction is R30 against the initiation fee inclusive of applicable VAT, capped at the amount of that fee. A R20 fee becomes R0; a R0 fee has no additional monetary saving. There is no cash alternative, transfer, points balance or unused benefit carried forward. No other cost may be increased to offset the saving.
The normal lawful price, including any applicable 3% calendar-year rate, is calculated first. The Circle saving is additional and separate. The product model does not capitalise fees into the interest-bearing principal.
One benefit, no borrowing targets
Welcome and Circle do not stack. Where another approved promotion applies, the more favourable eligible single benefit should be offered. There are no borrowing-frequency targets, tier progressions, minimum repeat amounts or automatic limit increases. Choosing less or settling early does not itself remove eligibility.
New assessment and quotation
Every new request would require credit and affordability assessment. Neither participation nor a settled prior loan guarantees approval. The saving must appear in the quotation before acceptance. Declining an offer, cancelling a request or being declined creates no right to a cash benefit and does not remove access to support.
Errors, difficulties and complaints
Contact support and identify the agreement reference through a verified secure process. Explain which fee or benefit seems incorrect; do not send bank PINs or OTPs. An unresolved issue can follow the complaints process. Existing repayment difficulties should be discussed before considering new credit.
Data, changes and closure
This website stores no membership record. The provider verifies any benefit through its secure process and privacy notice. Programme changes apply to future offers and do not remove a benefit already included in a signed agreement. The terms in that agreement take precedence.
Review due: 11 February 2027. Related documents: privacy notice, loan terms and cost model.