Home / Guides
Borrowing guides for South Africans
Clear, practical guides to short-term credit, your rights under the National Credit Act and managing money month to month.
Instant cash loans with immediate payout: 10 misconceptions, explained
Our main loan guide. What “instant” really means, what lenders must check, and how to get paid out as quickly as possible.
How to get your free credit report
Every South African is entitled to a free annual report. Here’s how to request it and what to look for.
Short-term loans vs personal loans
How the two differ on amounts, terms, cost and approval, and when each one makes sense.
How the National Credit Act protects you
The caps on interest and fees, the right to settle early and the rules every lender has to follow.
Debt review and borrowing explained
What debt review means for new credit, how long it lasts and how to exit it properly.
How to spot a loan scam
The warning signs of fake lenders in South Africa, from upfront fees to WhatsApp-only offers.
What lenders check in an affordability assessment
The income, expenses and bank statement checks behind every approval decision.