Apply online in minutes, get an instant decision, and once you are approved we pay out within the hour. Borrow up to R7 000 and see every cent of the cost before you commit. No hidden fees, ever.
Illustrative only and subject to a successful affordability and credit assessment. First-loan rates shown; repeat customers pay less. Costs are calculated on standard NCR short-term credit caps.
No branches, no paperwork, no waiting in a queue. The whole thing happens on your phone.
Slide to the amount you need and choose how long you want to repay. Costs update live.
We confirm your ID and run a soft credit check with the bureau. It takes seconds.
Send three months of bank statements. We read your income and affordability automatically.
Accept your offer and the cash lands in your account, often within minutes of approval.
Our engine reads your real income and spending instead of guessing from a score alone. That means fairer offers, faster decisions, and far fewer rejections for people the big banks ignore.
We strip out the things people hate about short-term lending and keep the speed.
Every fee is shown before you sign. The total you see on the slider is the total you repay.
Apply, verify and decide in one sitting. Approved loans are paid out around the clock.
A low score does not mean an automatic no. We look at your actual income, not just a number.
We are a registered credit provider and we lend within the rules that protect you.
Bank-grade encryption protects your documents. We only use them to assess your application.
Stuck on something? Our South African team is a call or a message away.
We believe you should understand the full cost before you borrow a cent. Here is a worked example using our standard first-loan pricing. Your own offer is calculated the same way and shown to you before you accept.
Short-term credit is for short-term needs. Borrow only what you need, and repay it as quickly as you comfortably can to keep the cost down.
Illustrative figures based on standard NCR short-term credit caps. Verify current rates and fees before launch. Subject to affordability and credit assessment.
Cannot find what you need? Reach our team at hello@getpaydaynow.co.za
You can apply for anywhere from R500 up to R7 000. Your approved amount depends on your income and affordability, which we assess from your bank statements and credit profile.
Most applicants get a decision in minutes. Once you accept your offer, approved loans are usually paid into your account very quickly, including outside normal banking hours.
Yes. As a responsible, NCR-registered lender we run a credit bureau check. A less-than-perfect score is not an automatic no. We also look closely at your actual income and affordability.
Your statements let us confirm your income and work out what you can comfortably repay. This protects you from taking on more than you can handle, and it helps us approve more people fairly.
Your documents are encrypted and used only to assess your application, in line with POPIA. We never sell your data.
Talk to us early. We would far rather work out a plan with you than see you fall behind. Contact our support team as soon as you know there is a problem.
Apply in minutes. See your full cost. Get an instant decision.