Instant Fund

Editorial team

InstantFund Editorial

The InstantFund editorial team writes plain-English guides on borrowing, credit and money in South Africa.

  • 130 guides
  • Named author

Guides by InstantFund Editorial

130 guides, newest first.

Couple going through household finances at a table
Budgeting

Money as a Couple in South Africa: How to Talk, Share Costs and Plan

Managing money as a couple works best when you agree how to talk, share costs and plan, without hiding debt.

6 min read

Hourglass and clock representing a one-hour loan promise
Payday Loans

1-Hour Payday Loans: How Fast Is Fast, and What Are the Catches?

1-hour payday loans exist only in the best case.

7 min read

Tax and payslip documents on a desk with a calculator
Budgeting

How to Read a Payslip in South Africa: Gross, Net, PAYE, UIF and More

A South African payslip shows gross pay, deductions and net pay.

6 min read

Calculator and papers used to work out what a larger loan costs
Payday Loans

R5000 Loan in South Africa: What It Really Costs Over 1 to 6 Months

A R5000 loan can cost about R969 in one month, or about R1,939 over six months, at the legal maximums for short-term credit.

6 min read

Valentine's Day gift and couple holding hands
Budgeting

Valentine’s Day Budget in South Africa: Keep the Romance, Skip the Debt

A Valentine's Day budget starts with agreeing a limit with your partner.

6 min read

Person going through bills and receipts at a table
Budgeting

Zero-Based Budget: Give Every Rand a Job and Finish the Month at Zero

A zero-based budget means your income minus everything you assign (spending, saving and debt) equals zero.

6 min read

About InstantFund Editorial

These guides are written by the InstantFund editorial team. We explain borrowing, credit and personal finance in South Africa in plain words, show the real cost of a loan in rand and point to cheaper options where they exist. If you spot a mistake, please tell us at [email protected] and we will correct it. Our editorial policy explains how we research, write and correct what we publish.

Frequently asked questions

Who writes these guides?

The InstantFund editorial team. Every guide is published under the team byline.

Do the guides recommend specific lenders?

No. The guides explain how short-term credit works and how to compare costs. They do not push one lender over another.

How do I report a mistake?

Email [email protected] and tell us which page and which line. Our editorial policy explains how we handle corrections.

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