Loan amountUp to R 15 000
Repayment term1–6 months
Example interest28.75% per yearR15,000 / six-month example; linked to prime

What to know at a glance

Online cash loans over 1–6 months. A minimum loan amount has not been confirmed in this directory. Approval and your final terms depend on the lender’s assessment.

Fees and the full cost

The R15,000 / six-month example lists an initiation fee, monthly service fee and monthly credit protection premium. These example costs are not a personalised quotation.

Initiation fee
R1,207.50 in the R15,000 / six-month representative example. A universal formula and separate VAT treatment are not confirmed in the reviewed public material.
Monthly service fee
R69 per month in that example. Confirm the applicable fee and VAT treatment in your written quotation.
Credit life / protection
Credit protection is required. The example shows R68.48 per month; the linked September 2025 African Unity Life / ASPIS policy places the actual premium and charges in your policy schedule and does not publish a universal formula. Equal-benefit alternative cover is allowed: the FAQ asks for proof within five working days of payout to remove its CPI and credit the charge, and also allows substitution during the loan term with proof of equivalent cover.

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

A minimum loan amount was not confirmed in the reviewed product copy. The annual interest shown is a representative example, not a starting rate. The lender also labels 123% as its maximum APR; Fairloan has not independently reproduced that calculation. The policy contains exclusions, waiting periods and claim conditions. Check your loan quotation and insurance schedule.

Before you apply

  • Age 18 or older and a South African ID number
  • Three months of bank statements
  • Affordability and credit checks; confirm additional application requirements with FASTA

What happens next?

The button takes you to FASTA’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: NCRCP10591. This is not a live registry verification. Check the NCR register and confirm the legal entity before applying.