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What would your loan really cost?

Compare the amount you receive with the total to repay. This calculator uses our Everyday Cash reference tariff, including VAT and date-based charges. It does not issue a personal offer.

REFERENCE TARIFF

Loan repayment calculator

Loan estimate

Compare the first short-term loan in the same calendar year: 4% per month. This selection does not verify eligibility.

How much do you need?

R500R5 000

Over how many months?

Example payout date

Total to repayR2 240.07

One repayment · first on 20 Oct 2026

Paid to you / principal: R2 000.00
Interest (4% per month): R80.00
Initiation fee (VAT included): R115.00
Service fees (VAT included): R45.07
Insurance in this estimate: R0.00

Included VAT: R20.88. Initiation R100.00 net + R15.00 VAT; service R39.19 net + R5.88 VAT. Cost of credit: R240.07.

1. 20 Oct 2026R2 240.07

Example payout: 20 Sept 2026. Actual days / 30 for interest; service fees are prorated by calendar month. Dates are not moved for weekends or holidays. Calculation assumptions.

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Our estimate is not a partner quote. Calculator inputs are not sent to the partner.

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