A new request requires an updated credit and affordability assessment. Circle could apply after a RandHaven loan fully settled within the previous 24 months. There is no borrowing target or membership status to maintain.
| What stays the same | What may need updating |
|---|---|
| Clear disclosure of every cost | Income, expenses and existing credit commitments |
| Access to repayment help and complaints | Contact and bank details through a secure channel |
| A choice to decline an offer | Eligibility, affordable amount and available term |
| Your rights under the agreement | Applicable calendar-year rate and benefit conditions |
The Circle fee saving
The programme reduces an eligible initiation fee by up to R30 including VAT. It is free, has no tiers and does not depend on taking a larger loan. One fully settled RandHaven loan within the previous 24 months is the participation condition.
See Circle eligibility and savingsA higher limit is not automatic
The Payday Plus example covers R3 000-R5 000 over 21 or 30 days for returning customers. This is a product boundary, not a personal limit. A smaller amount may be more suitable, and approval is never assured.
View Payday Plus costsAn existing loan comes first
The range permits only one active RandHaven loan. A new loan must not be used to clear an existing RandHaven balance or unlock a benefit. If a payment is difficult, contact support about the current agreement.
Find repayment support