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.

Planner and notebook for a 90-day credit improvement plan
Credit Score

How to Improve Your Credit Score in South Africa: A 90-Day Plan

To improve your credit score in South Africa, check your report for errors, pay every account on time, reduce card and store balances, and avoid new applications while you recover.

6 min read

School children in uniform
Payday Loans

School Loans in South Africa: Fee Exemptions and Payment Plans First

Before school loans, check fee exemptions, payment plans, bursaries and second-hand options, which can cost nothing.

7 min read

Goals written in a notebook
Budgeting

Money Resolutions That Stick: Set Three Small Goals and Check Them Monthly

Money resolutions fail when they are vague, big and secret.

6 min read

Beach holiday with sea and sand
Budgeting

Budget Holiday in South Africa: Plan It, Save for It and Skip the Debt

A budget holiday starts with a total number, not a destination.

6 min read

Hands offering help and support to a consumer
Debt & Your Rights

Consumer Rights in South Africa: What the CPA Gives You

The Consumer Protection Act (CPA) gives South African consumers rights to safe, good-quality goods, honest information, fair contracts and a remedy when goods or services are faulty.

6 min read

Paying by card at a payment terminal
Payday Loans

Payday Loan vs Credit Card: Which Costs Less for a Short Gap?

In a payday loan vs credit card choice, the card is usually cheaper if you already have one with limit available and repay the balance quickly.

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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