Compare short-term loan options.

One scheduled repayment

The entire balance is due in one payment. These products do not have monthly instalment plans. New-customer examples stop at R3 000; Payday Plus is for returning customers, subject to a fresh assessment.

A complete Payday example

Receive R2 000 for 30 days, starting 1 November 2026. First-short-term-loan calendar-year interest example: 5% per month. The Welcome saving is R20 on the VAT-inclusive initiation fee. No credit-life insurance is included.

Amount you receive

R2 000.00

Interest (5% per month)

R100.00

Initiation fee incl. VAT, before benefit

R304.75

Welcome benefit if applicable

−R20.00

Service fee incl. VAT

R69.00

Credit-life insurance

R0.00

Total to repay

R2 453.75

When a short-term loan may not fit

A loan adds a future payment to your budget. If you would need another loan to repay this one, or cannot cover essentials after repayment, pause and consider other options. Ask a bill provider about a payment arrangement, review non-essential expenses or seek debt-counselling guidance.

Do not use this product to cover ongoing monthly shortfalls, gamble, invest speculatively or repay an existing RandHaven loan. A higher amount is never a reward for borrowing more.

Before you take the next step

Review the requirements, costs and complete terms. This website does not take applications or receive documents. The provider assesses income, expenses and existing commitments before any offer.