Regulated short-term lending • South Africa

Fast, Transparent Loans When You Need Them Most

Apply in minutes. Regulated by the NCR. No hidden fees.

What you get

  • Clear repayment estimate before you apply
  • Friendly, simple process (no jargon)
  • Responsible lending checks for affordability
Man holding approved loan application with financial icons

Loan Calculator

How much do you need?
When is your next payday?
Interest
Fees
Total Repayment
Please note that these are only approximate figures. All rates are calculated on a daily basis as stipulated by the National Credit Regulator. Please request a quote from us to determine the actual repayment amount and installment(s) should you wish to apply for a loan.

Representative Example

If you borrow R2,000 over 2 months (62 days) at an interest rate of 3% per month:

  • Initiation Fee: R165 (plus 15% VAT = R189.75)
  • Service Fee: R124.00 (pro-rated over 62 days)
  • Interest: R124.00 (3% per month over 62 days)

Total Repayment: R2,437.75

This equals a representative APR of 36%.

All interest and fees are calculated in accordance with the Regulations set out in Chapter 5 of the National Credit Act 34 of 2005.

Loan Requirements

Valid South African ID

Valid South
African ID

Latest 3 Months Bank Statement

Latest 3 Months
Bank Statement

Latest Payslip

Latest Payslip

Must Be 18 Years or Older

Must Be 18 Years
or Older

Fast & Easy Application Process

1

Calculate Your Loan

Use our loan calculator to choose the loan amount and repayment period that works best for you.

2

Complete The Application

Fill out your application use our simple online form to enter your details, review them, and submit in minutes.

3

Get Your Cash

Once your loan is approved, the funds will be processed and paid directly into your bank account.

Frequently Asked Questions

Click on a question to see its answer. For anything not listed, contact us via our Contact page.

How much must I earn to qualify for a loan at Moepathutsi Financial Services?

We assess each application individually. Generally, applicants need a regular monthly income. Please use our loan calculator above and submit an application for a personalised assessment.

What is the term of the loan?

Our loan terms vary depending on the amount borrowed. We offer flexible repayment periods to suit your financial situation.

What are the requirements to apply for a loan?

You will need a valid South African ID, latest 3 months bank statement, latest payslip, and must be 18 years or older.

Do I have to come to Moepathutsi Financial Services offices in order to get the loan?

No, you can apply online from the comfort of your home. Our application process is fully digital.

How long will it take for me to get an answer after I completed the application?

Once your application is submitted, you will receive a response within a few hours during business hours.

How do I apply for a loan for my business?

Business loan applications follow a similar process. Please contact us directly for business loan enquiries.