Payday Loans

Apply for instant cash from R500 up to R8000 with a payday loan. Get cash when you need it the most. Apply for a loan now. Same Day Approval!

  • Easy online application

    Simply fill in the form on this page to send your application.

  • Get approved in minutes!

    One of our approved and trusted partners will call you.

  • Same day cash!

    Once approved you can qualify for immediate payment.

  • Pay on your next payday

    A simple clear solution that works when you need it.

  • Get the service you deserve!

    Our team of customer service agents is there for you.


We are a South African online loan broker, meaning that we partner with South Africa’s top financial institutions to find you the best  pay day loan for you within minutes.

How it works

1. Fill in your details
2. Let us know how much you need
3. Apply
4. Money gets deposited in your selected bank account if you qualify

Who can apply for a payday loan?

To apply for a short term loan you must meet these requirements:
1. Have a South African ID number
2. Bank account details & proof of income
3. A registered cellphone number
4. Earn a monthly income of atleast R3500
5. You must not currently be under debt review
6. Our credit providers will do a credit check with your permission to see if you qualify

Why choose a short term loan?

If you need need money due to an unplanned emergency, a pay day loan is a short term solution to give you cash flow to take care of the unexpected cost. The short term loan gives you emidiate access to cash when you need it most. You can borrow cash from as little as R500 to as much as R8000, and you will have up to 6 months to repay the loan depending on the lender. Most of payday loans are repaid on your next payday, which is why they are called payday loans.

These type of loans should not be relied upon to pay for regular monthly expenses, they should only be used should an unforeseen cost occur during the month which cannot wait until your next payday.

Payday Loan Repayment Calculator

Use the Loan123 online loans repayment calculator to see what your monthly repayment could be!

How much do you want to borrow?
For how long?
Loan amount
Loan Term
Interest to pay
Total service fees
Monthly repayment
Total to pay

Need a loan urgently? We're here for you.

We will call you back . Simply complete the form.

Join over 150 000 South Africans!

Our happy customers say it best, read what our clients say.

Have received nothing but great service from the company. From the initial stages of asking for help from them to now where I'm on the debt review program & living comfortably.
Thank you to Ester de Beer for helping me yesterday, as well as the Loan123 team that helped me through this difficult path that I put myself in… very efficient and helpful to me
J. Mabope
I have been dealing with Neo and the service she gives is top class. Continue with the excellent service. Well done. Life is amazing now. I am able to afford my child’s school fees, buy clothes.

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