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.

Empty office desks after job losses
Budgeting

Retrenchment in South Africa: What You Are Owed and What to Do

If you face retrenchment in South Africa, you are generally entitled to notice or pay in lieu, any accrued leave pay and severance pay of at least one week for each completed year of service.

6 min read

Person reading a pre-agreement quote before signing
Debt & Your Rights

Pre-Agreement Quote: How to Read the One Document Every Borrower Should See

A pre-agreement quote is a written statement a South African credit provider must give you before you sign.

6 min read

Planner and notebook for organising money goals
Debt & Your Rights

Section 129 Notice: What It Means and What to Do Within 10 Business Days

A section 129 notice is a letter a credit provider must send before it can take legal action over a credit agreement in default.

7 min read

Delivery driver with a parcel, representing gig work
Payday Loans

E-Hailing Loans: Real Income, Real Costs and Safer Options

E-hailing loans are possible in South Africa, but lenders assess irregular app income through bank statements and platform payment records, and approval is not guaranteed.

7 min read

Padlock representing security and protection when choosing a lender
Scams & Safety

Registered Lender in South Africa: How to Check One

A registered lender has registered with the National Credit Regulator and must follow the National Credit Act: assess affordability, show a written quote and stay within the legal caps.

6 min read

Calculator and receipts used to work out what a small loan costs
Payday Loans

R1000 Loan in South Africa: What It Really Costs

A R1000 loan can cost about R309 in one month at the legal maximums, so you repay roughly R1,309.

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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