Your payday gap matters, and that matters to us.
snapcash is your go-to cash bridge when the month outlasts the money. Borrow R500 to R2 000 for 5 to 30 days — every cost shown before you apply, every fee capped by the National Credit Act.
All costs capped by the National Credit Act. This quote becomes binding only once your application is approved.
Everything upfront. Always.
We show you every rand before you commit, and we never charge more than the law allows.
Fixed total, no surprises
Your total repayment is locked in before you apply — it never grows. Settle early and you pay interest only for the days you actually held the money.
Fast, human review
Send us your ID, latest payslip and bank statements — our team reviews every application directly, so decisions are careful, not automated guesswork.
One debit, no surprises
A single, pre-authorised debit order for your exact repayment amount, processed through our accredited collections partner. Never more than what you agreed to.
Straightforward verification
A short document checklist — no branch visits, no certified copies. Your information is handled under POPIA with your recorded consent.
Simple by design.
Four steps. No branches, no paperwork, no waiting on hold.
Choose your amount
Use the sliders to pick how much you need and when you'll repay. Your full cost shows instantly — no "subject to" small print.
Send your documents
Your ID, latest payslip and last 3 months' bank statements. Our team reviews these directly to confirm your identity and affordability.
Sign your debit order
Confirm a single debit order authority for your exact repayment amount, on the date you chose — processed through our accredited collections partner.
Cash arrives
Once approved, we move quickly to pay your loan out to the bank account you gave us.
Check your loan eligibility.
Four things decide whether we can lend to you. If they all hold, you can apply right now — it costs nothing to find out.
ApplyIdentity
A valid South African ID, 18 or older, matching the applicant's name. No certified copies or branch visits needed.
Income
Verifiable income over the last 3 months, shown in your latest payslip and bank statements.
Affordability
Your repayment must fit your real budget, as the National Credit Act requires. If it wouldn't, we decline — that's protection, not punishment.
Bank account
A South African bank account in your own name, for payout and your single debit order repayment.
What a snapcash loan costs.
Short-term credit pricing in South Africa is capped by law. These maximums are exactly what we charge — never more.
Representative example
R1,500 borrowed over 21 days
| Once-off initiation fee | R215.00 |
| Service fee (R60/month, pro-rated) | R42.00 |
| Interest (0,17% per day) | R53.55 |
| Total repayable | R1,810.55 |
Initiation fee capped at R165 + 10% of the amount over R1 000, to a maximum of R1 050. No hidden fees, no admin charges, no early-settlement penalty.
Frequently asked.
How fast will I get the money?
Once your application is approved, your documents confirmed and your debit order authority signed, we move quickly to pay your loan out to the bank account you gave us.
Do I need to send payslips or bank statements?
Yes — a copy of your ID, your latest payslip and your last 3 months' bank statements. Our team reviews these directly to confirm your identity and affordability. We never ask for your online banking password.
What does it cost?
Three charges, all capped by the National Credit Act: a once-off initiation fee, a service fee of R60 per month pro-rated to your term, and interest of 0,17% per day. The calculator at the top shows your exact total before you apply.
What if I want to settle early?
You can settle at any time. Interest is only charged for the days you actually held the money, and there is no early-settlement penalty — so paying back sooner always costs you less.
What happens if my application isn't approved?
You'll be notified with a short explanation, and there's no cost or record penalty for applying. You're welcome to reapply once your situation changes — many applicants who don't qualify the first time do later.
Is my personal information safe?
Yes. Your data is processed under POPIA, encrypted in transit, and only used to assess and administer your loan. We never sell your information, and every consent we rely on is recorded with a timestamp you can review.
Ready when you are.
Pick your amount, see your exact cost, and have cash in your account before the kettle boils.
Get started