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.
For loan affordability, take your take-home pay, subtract essential costs and existing debt repayments, keep a buffer, and see whether the new repayment still fits.
Reckless lending happens when a credit provider grants credit without properly assessing whether you can afford it, or lends when it knew or should have known you did not understand the risks, or when the loan left you over-indebted.
School costs in January are predictable. Work out the total, divide it by the months left and save that amount each month.
A loan's interest rate can be quoted per month or per year, fixed or linked to prime, and charged on the starting balance or on what you still owe.
Januworry is the tight stretch between a spent December and a late January payday.
A judgment debt is a debt a court has ordered you to pay.
About InstantFund Editorial
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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