LendUp is a loan comparison platform, not a lender. We're not responsible for making credit decisions. We may earn commission from our partner lenders.
Best Payday Loan In South Africa.
Within 1 hour*!
Applying for a payday loan shouldn't be a drawn-out, confusing process. At Lend Up, we aim to connect you with a large panel of trusted South African lenders quickly and easily, helping you borrow money when you need it. We can help you secure a loan even if you have a less-than-perfect credit score.
Paperless & Same Approval
Instant Funding
Bad Credit Accepted
No Credit Check & Blacklisted Options
Are you eligible for a payday loan?
Check your eligibility now and easily find out the likelihood of securing a payday loan before you apply, without affecting your credit score.
1
A valid RSA ID Number:
Be a resident of South Africa with a valid RSA ID number.
2
Be 18 years or older:
By law, you must be 18 years old to apply for a loan.
3
Have access to internet banking:
You will need access to internet banking and auto debit facilities to receive funds and manage repayments.
4
Verifiable income for the last 90 days:
You are required to demonstrate verifiable proof of income for the last 90 days to prove affordability.
We have streamlined the borrowing process to be as fast as possible. Here is how you can secure your funds:
Select your preferred amount
Select your preferred amount by adjusting the slider on the home page. You can choose the amount ranging from R100 to R50,000.
Complete the quick and easy application
Just fill out our quick online form in 2 minutes with your personal information. This will help us to find the best payday cash advance options for you.
Verification and loan offer
We will verify your details and match you with the lender with the highest possibility of approval. Then you can choose one from the many worthwhile options.
Acceptance and agreement
After you have made your choice, you have to sign the final loan agreement to accept the loan and its terms. The agreement will disclose the interest rate, repayment terms, and any other additional charges. Make sure to read the fine print to avoid any future conflicts.
Our automated matching system provides quick results and near-instant decisions without wasting your time. You can also rely on our services 24/7.
Bad Credit Ok
You don't need a good credit score to apply a payday loan on our website, because our partnered lenders specialize in lending to individuals with a bad credit score.
Mobile, 24/7
Loan comparison services are available 24/7 on mobile. So, you can get a payday loan anywhere, anytime in South Africa, simply by clicking on your smartphone, which is helpful in emergencies.
Safe and secure
Your information is completely safe and secure with us. We guarantee the confidentiality of your personal data.
Frequently asked questions
Who is Lend Up?
Lend Up is a loan comparison and aggregator website that connects South African borrowers with a large panel of trusted lenders to help them borrow money easily. Our service is available 24/7 on your smartphone, completely free with no hidden charges.
Who can apply for a loan?
Anyone who needs a loan with a bad credit score. You only need to fulfil these requirements.
Be a citizen of South Africa
Have a Verifiable address
Have a valid phone number and bank account
Have a verifiable source of consistent income
How much can I borrow?
You get a loan of R100 to R50,000 through LendUp.
Can I pay early?
Yes, you can make an early repayment without any additional fees. Early repayments are beneficial because they lower the total interest by reducing the outstanding balance.
How quickly can I get approved and receive the funds?
If you get approval, you can secure the funds within 1 hour; however, this time may be extended up to 1 or 2 business days in case of bank holidays.
What documents do I need to apply?
These are the documents required for the application.
A valid SA ID card
Last 3 months of bank statements
An active cell phone number.
Will applying for a loan affect my credit score?
Applying through LendUp doesn't affect your credit score, because we use a soft credit check to match you with a lender. But during the final application, lenders run a hard credit check, which slightly lowers your credit score for a short period of time.
Are self-employed individuals eligible for personal loans?
Self-employed individuals are also eligible for personal loans, but they would need proof of their last 3 months' tax returns.
Can I apply if I am under debt review?
No, you can't formally apply for a loan while being under debt review. After entering a debt review, your credit report is flagged, and getting more credit would be a violation of the law.
What fees are included in a personal loan?
Personal loans include interest charges, a one-time initiation fee, and other charges applied by the lender, such as processing fees and late payment fees.
How can I improve my chances of approval?
You can improve your chances of approval by following these tips:
Maintain a good credit score, because it's the most common factor that every creditor evaluates.
Carefully fill out your form and provide correct information.
Applying for the loan is very easy on your website anyone else it's just too hard to do so thank you again
Ginette Gilbert, Cape Town
Fair rates, fast deposit, no hassles
Everything is done online, easy to understand and fair rates. Using LendUp for over a year and I recommend this to anyone needing quick funds.
Deb Plant, Johannesburg
They give the one of the most customers…
They give the one of the most customer friendly interest rates, a true and genuine support system that i have like a pistol on my holster ready to face any form of unexpected financial demands.
Leo Philippe, Cape Town
LendUp is always nice to deal…
LendUp is always nice to deal with and so fast at getting you a loan when you need it the most. Highly recommend for Africans.
DL McD, Gauteng
I love LendUp
It's so easy and fast! Perfect for when you need a small cash advance quick. Money is deposited within minutes.
Kar, Northern Cape
Why Get a Loan from Us?
Connecting you with a network of trusted lenders. We are more than just a website; we are a gateway to secure lending:
We've got multiple lenders: We work with a large panel of creditors, which significantly increases your chances of finding a perfect loan option.
Trusted partnerships: We exclusively work with creditors that are authorized and regulated by NCR in South Africa.
Over 15 Years of Experience: We have 15 years of experience helping individuals secure loans with a bad credit score.
