Updated September 28, 2026 · BorrowCue Editorial Team

Top payday and short-term loans compared in South Africa

38 lenders available in South Africa, ranked for South Africa.

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Top payday and short-term loans compared in South Africa
#	Lender	Score	Features	Key facts	Actions
1	AbsaTop pick	9.0/10	Same day funding	Loan amount: ZAR 3,000 to ZAR 350,000 APR: 13.75% Term: 12 to 84 months	Review Compare See alternatives
2	Crezu MX First loan with no cost for new users: 0% interest and fees on the first loan for new users	8.8/10	Same day funding	Loan amount: MX$100 to MX$20,000 APR: 0% to 36% Term: 3 to 4 months	Review Compare See alternatives
3	Cash Plus Kosovo	8.8/10	Same day funding	Loan amount: €200 to €7,000 Term: 6 months Credit check: Hard	Review Compare See alternatives
4	Century Financial Services	8.8/10	Same day funding	Loan amount: ZAR 500 to ZAR 8,000 Term: 1 to 6 months Funding time: same day	Review Compare See alternatives
5	Lendplus.co.za	8.7/10	Fixed rate Same day funding	Loan amount: up to ZAR 4,000 APR: 60% Term: 3 months	Review Compare See alternatives
6	Letocredit Special offer - up to 5 000 rands at 0.01%: up to 5 000 rand at 0.01%	8.7/10	Same day funding	Loan amount: ZAR 500 to ZAR 15,000 APR: 0% to 36% Term: 2 to 12 months	Review Compare See alternatives
7	PAUSE Express	8.7/10	Fixed rate Same day funding	Loan amount: ZAR 300 to ZAR 4,000 APR: 60% Term: 1 month	Review Compare See alternatives
8	Finandos 3-day trial period for the loan-matching service: EUR 0.99 for 3 calendar days	8.5/10		Loan amount: €500 to €10,000 APR: 30% to 365% Term: 12 to 120 months	Review Compare See alternatives
9	Hoopla Loans	8.5/10	Same day funding	Loan amount: ZAR 100 to ZAR 8,000 APR: 20% Term: 3 to 60 months	Review Compare See alternatives
10	Arcadia Finance	8.3/10	Same day funding	Loan amount: ZAR 100 to ZAR 250,000 APR: 28% Term: 6 to 72 months	Review Compare See alternatives

Licensed in South Africa

Absa: National Credit Regulator (NCR)
Absa: South African Reserve Bank (SARB)
Century Financial Services: National Credit Regulator (NCR)
Lendplus.co.za: National Credit Regulator (NCR)
PAUSE Express: National Credit Regulator (NCR)

Top payday and short-term loans compared in South Africa

Licensed in South Africa

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Top payday and short-term loans compared in South Africa

Licensed in South Africa

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