Loan amountR 500 – R 20 000
Repayment term1–9 months
Interest rateNot publishedQuote needed for interest and fees

What to know at a glance

Cash loans from R500. The published borrowing range starts at R 500. Approval and your final terms depend on the lender’s assessment.

Fees and the full cost

Atlas’s policy and marketing disagree about insurance cost. Obtain the current premium and full written repayment breakdown.

Initiation fee
No numerical fee or formula is confirmed on the reviewed loan pages. Ask for the amount, VAT treatment and whether it is financed.
Monthly service fee
No numerical monthly service fee or VAT breakdown is confirmed on the reviewed loan pages.
Credit life / protection
The credit life policy requires cover and says premiums are payable monthly, while the loan marketing calls cover free. Equivalent replacement cover is allowed. The policy includes death, disability and retrenchment/loss-of-income benefits, subject to conditions. The premium amount and calculation basis are not confirmed; resolve the cost discrepancy in writing.

Compare your total repayment as well as the monthly instalment. Ask for a written quote showing the exact rate, initiation fee, service fees and insurance applicable to you.

A detail worth checking

This is the general cash-loan product. The separate domestic-worker product has lower limits (up to R4,000 / four months) and is not represented by the R20,000 range. Marketing short-term language does not establish a legal credit category.

Before you apply

  • Original ID, or passport and work permit for foreign applicants
  • Latest payslip
  • Three months bank statements
  • Affordability and credit assessment

What happens next?

The button takes you to Atlas Finance’s official product page. You decide whether to start an application there. The lender may request documents, obtain consent for credit checks and assess affordability.

Browsing Fairloan does not constitute an application. We do not collect your identity number, documents or contact details, and we cannot predict approval.

Sources and registration

Registration information published by the lender: NCRCP3994. This is not a live registry verification. Check the NCR register and confirm the legal entity before applying.