Choose Your Path
Select the option that works best for you
With Collateral
Fastest and simplest option
Without Collateral
Using your payslip
Collateral Loan Process
Contact Us
Call, WhatsApp, or fill out our online form. Tell us what item you want to use as collateral.
Bring Your Item
Bring your item and your ID. We'll assess the item's value on the spot.
Get Approved
We offer you up to 50% of the item's value. If you agree, we process your loan immediately.
Receive Cash
Get your money within 48 hours. Your item stays safe with us until you repay.
What You Need
- Valid South African ID
- Your item (electronics, appliances, or furniture)
- Item must be in good working condition
Non-Collateral Loan Process
Contact Us
Call, WhatsApp, or fill out our online form. Let us know you want a payslip-based loan.
Submit Documents
Send us your ID, recent payslip, and proof of residence. We verify your employment.
Get Approved
We assess your application based on your income and approve your loan amount.
Receive Cash
Get your money within 48 hours. Repay within 30 days as agreed.
What You Need
- Valid South African ID
- Recent payslip (within 3 months)
- Proof of residence (utility bill or bank statement)
What Happens After You Get Your Loan?
If You Repay on Time
- For collateral loans: Collect your item back in the same condition
- For payslip loans: Your loan is cleared with no further action
- You're welcome to apply again in the future
If You Can't Repay
- For collateral loans: We sell your item to recover the loan amount
- For payslip loans: Legal action may be taken to recover the debt
- We're transparent about this from the start
Ready to Get Started?
Apply now and get your cash in 48 hours or less