Borrow R500–R8,000 for 1–6 months through one free form. Fees are capped by the National Credit Act.
You repay once
R 3,593.25
Capped by law: interest and fees can never be more than the amount you borrow.
Repayment date
Illustrative quote only. Final cost depends on the lender's affordability assessment and credit check. Rates and fees are capped by the National Credit Act. InstantFund is not a lender. We refer your application to NCR-registered credit providers.
Approved loans are paid into all major SA banks
One form does the work of many. We send it to lenders for you.
Fill in one free form on your phone. It takes about 5 minutes.
We refer your form to NCR-registered lenders. They check what you can afford.
If a lender approves you and you sign, the money is paid into your bank account.
Have these ready and your application will be quicker.
The law sets the most a lender can charge. Many charge less. You see the exact cost in writing before you sign.
| Charge | The most a lender can charge |
|---|---|
| Interest, first loan this year | 5% a month |
| Interest, later loans this year | 3% a month |
| Initiation fee | R165 plus 10% of the amount above R1,000. Never more than R1,050. Not charged if you’re declined. |
| Service fee | R60 a month |
| Settling early | No penalty |
| Total interest and fees | Never more than the amount you borrow |
First loan this year, initiation fee added to the loan.
| Loan amount | R 3,000.00 |
|---|---|
| Initiation fee | R 365.00 |
| Interest (5% of R3,365) | R 168.25 |
| Service fee | R 60.00 |
| Total repayable | R 3,593.25 |
| Total cost of credit | R 593.25 |
One form, many lenders, and no cost to you.
We only refer you to lenders registered with the National Credit Regulator.
Applying is free. Your lender shows every fee in writing before you sign.
Pay back sooner and you only pay interest up to that day.
One form reaches several lenders, so you're not applying again and again.
Your details are encrypted and handled in line with POPIA.
Apply from anywhere in about 5 minutes. No branch visit.
Every lender on our panel
Encrypted form
Your data, your consent
No cost to you
Still unsure? Contact our team.
No. InstantFund is a free referral service. You fill in one form and we send it to NCR-registered lenders. If a lender approves you, your loan agreement is with that lender.
No. Applying through InstantFund is free. Lenders pay us a referral fee. This does not change the price your lender quotes you.
Interest and fees are capped by the National Credit Act. Use the calculator to see the most you could pay. Your lender must give you a written quote with the exact cost before you sign.
You must be 18 or older, have a South African ID, earn a regular income and have an active bank account in your name.
Yes, you can apply. Lenders look at your credit record and what you can afford. Approval is not guaranteed. If you are under debt review, you cannot take out new credit.
If a lender approves you during business hours, the money is often paid into your account the same day. Applications made after hours are handled the next business day.
Yes. You can settle your loan early at any time with no penalty. You only pay interest and fees up to the day you settle.
Speak to your lender before the payment date. Late repayment may affect your credit record and lead to legal action. A registered debt counsellor can help if you are struggling.
We follow POPIA. With your consent, we share your application only with lenders on our panel so they can assess it, which includes a credit check. Read our privacy policy for details.
It takes about 5 minutes, and you don’t have to accept an offer.