Compare the full cost
Our reference tariff covers R500–R5 000 over one to three months. It uses 4% interest per month for the first short-term loan in a calendar year and 2.5% for a subsequent loan that year. The calendar-year switch compares scenarios; it does not establish your eligibility.
Initiation is the lower of 10% of principal or R100, before VAT. The service fee is R40 before VAT per full calendar month, with partial months prorated. The calculator includes VAT on these fees and no insurance premium.
Your next step
Check the estimate against your essential expenses and existing commitments. If you explore a partner offer, review that provider’s quotation: its amounts, pricing and conditions may differ from our reference tariff.
Applications, affordability checks, agreements and payouts take place with the provider. This website does not approve, issue or service loans.
Cash and device finance are different
Do not assume a cash loan is secured against your phone. Check the actual agreement for any security or collateral. A device-finance offer needs its own price, deposit, ownership and repayment terms.