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Text Content

 * Payday Loans
 * Short Term Loans
 * No Credit Check Loans
 * More Options
   * 1 Hour Payday Loans
   * Bad Credit Payday Loans
   * Short Term Loans For Blacklisted
   * Cash Loans For Blacklisted South Africa
   * Same Day Loans South Africa
 * Blog


Apply Now
✕
Join the 1000+ of South Africa relying on Wisely to access flexible, on-demand,
and the best loans online. Experience a streamlined process with no haggling or
paperwork – making it simpler to discover the ideal loan for your needs.
Financial Life Better. We Help Make Your Apply Now


NEED MONEY? ONLINE SHORT TERM LOANS UP TO R 30 000

Experience financial flexibility with our online short-term loans in South
Africa. Unlock up to R 30,000 effortlessly. Our instant loans assure cash within
1 hour approval with no documents required. Your financial solution is just a
click away.


HOW TO GET A SHORT TERM LOAN

Our Lending Specialists will customize your loan to suit your needs, budget, and
lifestyle.

START WITH AN ONLINE LOAN QUOTE

Get a loan quote to find out how much money you could qualify for. No
obligation, no impact on your credit.

COMPLETE THE LOAN PROCESS

If you’re interested in your quote, a Lending Specialist will be in touch to
finalize the loan application online.

HAVE YOUR MONEY AS SOON AS TODAY

You could receive your money directly into your bank account as soon as today.


HOW IS MONEYWISELY DIFFERENT FROM OTHERS?

Money Wisely offers short term loans and payday loans,  personal loan in South
Africa to people in the fair to good credit score range for purposes such as
debt consolidation, handling unexpected expenses, and more. We provide lower
interest rates compared to competitors, and leverage our nearly 10 years of
lending experience in South Africa to assist customers in navigating financial
challenges.

Our mission is to create equitable financial models that enable more people to
access the funds they require quickly.

 * High Approval Rates
 * Loans Tailored to You
 * No Obligation to Accept
 * No Guarantor needed

 * No Hidden Costs or Fees
 * No Paperwork
 * Confidential & Secure
 * Same day funding


WHAT MONEY WISELY OFFER

INSTANT CASH LOANS

6 MONTHS LOANS

90 DAY LOANS

URGENT CASH LOANS

QUICK LOANS IN MINUTES


WHAT ARE QUICK SHORT TERM LOANS AND HOW DO THEY WORK?

Short-term loans in South Africa are financial products to provide people with
reasonably small amounts of money for a short duration 1 week to 3 months. These
loans are often used to cover unexpected expenses, emergencies, or temporary
financial gaps. Here's how they typically work:

Application: Borrowers can apply for short-term loans online or in person. The
application process is usually quick and requires basic personal and financial
information.

Approval: Lenders review the application and may conduct a quick credit check.
Some short-term lenders are willing to work with people with bad credit.

Loan Terms: Short-term loans are usually repaid within a 1 weeks to 3 months,
depending on the terms and conditions set by the lender. The repayment period is
much shorter compared to traditional loans.

Access to Funds: If approved, borrowers can receive the funds quickly, often
within a day. This makes short-term loans suitable for urgent financial needs.



3 STEP PROCESS FAST AND EASY!

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FAST & EASY APPLICATION PROCESS HERE

We understands the urgency of financial needs. That's why we've designed our
website to be fast and user-friendly, ensuring a quick and straightforward
experience for our users.

60 SECOND APPLICATION



FUNDING OPTIONS FROM LENDERS

GET FUNDED FASTER THAN AT YOUR BANK

ELIGIBLE


WHAT SHORT TERM LOAN CRITERIA DO I NEED TO MEET?

To be eligible for a online short term loan in South Africa, you need to meet
the following criteria:

Age and Residency: You must be at least 18 years old and a resident of South
Africa.

Source of Income: You need to have a regular source of income, which can include
full-time or part-time employment with a steady income. However, people on
benefits may not be eligible. Those who have had a County Court Judgment (CCJ)
or declared bankruptcy in the last three years may also face eligibility
challenges.

Bank Account: You should have a South Africa bank account in your name. This is
necessary for the lender to deposit the loan funds and collect repayments.

Credit Check: You must pass a credit check, which assesses your credit history,
searches for a history of CCJs, and determines your creditworthiness. Some
lenders may have specific credit score requirements.

Apply Now

MONEY WISELY


WE'VE HELPED OUT MILLIONS OF PEOPLE...

NOMALIZO

Cape Town, ZA

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I was in a tight shot financially and didn't know where to turn. I decided to
try a payday loan, and it was a lifesaver. The application process was
straightforward, and i got the funds i needs quickly. the interest rate were
high, but it was worth it for the immediate relied.

KGOSI

Johannesburg, ZA

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l've used money wisely a couple of times, and they've been aconvenient option
for covering unexpected expenses. the online application process was quick and
easy, nd i received the money within hours. The interest rate are steep, so it's
essential to budget for repayment.

DUMISANI

luanda, ZA

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Payday loans can be a helpful short term solution, but they come with high
costs. I've used them when i had no other options, but i always make sure i can
repay them on time to avoid extra fees. They're not a long term financial
solution, so use them sparingly.

FREQUENTLY ASKED QUESTIONS

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RELATED
ONLINE SHORT LOANS SOUTH AFRICA

What is a short term loan South Africa?
A short term loan in South Africa, also known as a cash advance or payday
advance, is a short-term financial product designed to assist individuals in
bridging temporary financial gaps. These loans are small amounts and are
intended to be repaid on the borrower's next payday, which is why they are
referred to as "payday" loans.

Payday loans are commonly used to cover unforeseen expenses such as medical
bills, car repairs, or other emergencies. They are unsecured loans, meaning they
do not require collateral, and they are accessible to borrowers with different
credit profiles.
Will the short term loan South Africa have to be repaid on my next payday?
If you want to clear short term loan in full on your next payday, you can.
However, the term for a short term loans South Africa is usually 3-months or
more.

The term online short term loan shows the origins of this type of credit, which
was when employees would sub money from their wages in advance.

However, this was often insufficient and left their pay packet too lite the
following month, so payday loans with slightly longer repayment periods make
borrowing a small amount more manageable for most people.

How long you repay the loan over will depend on the repayment period you select
when applying. People usually try to pay the loan as soon as they can, without
causing them more financial difficulty. This means shorter loans are often taken
over a shorter period, while larger loans are more likely to be taken with a
longer repayment period.
Will my application for a short term loan be accepted?
Short term loans South Africa are structured to approve applications from a
broad range of individuals, making them one of the more accessible forms of
credit.

They are designed to provide small amounts of money to a large number of
applicants. If you've had credit challenges in the past or face certain
circumstances that have led to a poor credit rating, you still have a good
chance of being accepted for a short term loan.

The application process is quick and straightforward. To determine your
eligibility, you'll need to complete the application process.
Can I trust the information provided by Money Wisely?
Absolutely. Money Wisely is committed to providing accurate and reliable
information. Our content is created by financial experts and is regularly
updated to reflect the latest industry trends and best practices.
What are the main benefits of short term loans?
The main benefits of short term loans South Africa include: Easy and Quick
Application: The application process for short term loans is straightforward and
Completed quickly. Fewer Eligibility Requirements: These loans fewer eligibility
requirements compared to other types of loans, making them accessible to a
broader range of people.

Accessible with Imperfect Credit: Payday loans provide an option for borrowing
money even if you don't have a perfect credit record. Lenders often focus more
on your ability to repay.

Unsecured Nature: Short term loans are unsecured, meaning you don't need to
offer collateral such as property or valuables to secure the loan.

Fast Access to Funds: If your application is approved, access the instant cash
loans without any documention solution to financial needs.

Flexible Repayment Options: We offer flexible repayment options, allowing
borrowers to tailor the repayment schedule to their needs.
What are the disadvantages?
Disadvantages of short-term loans, such as payday loans, include: High-Interest
Rates: Payday loans often come with high-interest rates, making them expensive
in the short term. Late Payment Fees: Missing a repayment can lead to late
payment fees, and the borrower may find themselves caught in a debt cycle.

Limited Impact on Credit Score: Payday loans usually do not positively impact
your credit score, regardless of the loan amount.

Eligibility Criteria: Borrowers need to meet basic eligibility criteria, such as
being over 18 years old and having a South Africa bank account.

Limited Availability for Certain Groups: Direct payday loans may not be
available to certain groups, including the self-employed, unemployed
individuals, and students who do not meet specific income requirements.

READY TO GET STARTED? APPLY ONLINE, GET INSTANT DECISION, AND IF APPROVED,
ACCESS UP TO R10 000 OR MORE.

Apply Now



Our website is completely free for you to use but we may receive a commission
from some of the companies we link to on the site.

COMPANY

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 * FAQs
 * How it Works
 * Sitemap
 * Responsible Lending

ADDRESS

Unit 7, 13 Bell Crescent
Westlake Business Park
Cape Town, South Africa
7945

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