Borrow up to R3,000 with Credify Cash Loans. Transparent, NCA-capped rates and fees, a same-day decision, and no paperwork gymnastics — just your ID, proof of income, and three months of bank statements.
Credify payday loans are repaid in full, once-off, one month from the date you receive your funds. Interest and fees shown are charged at the maximums prescribed by the National Credit Act. This is an illustration, not a quote — your actual Pre-Agreement Statement & Quotation is issued after an affordability assessment.
Fill in your details and tell us how much you need, up to R3,000. Takes about five minutes.
Upload your ID, latest three months' bank statements, and proof of income. We run a standard affordability and credit assessment.
Once approved and you've signed your agreement, funds are paid straight into your bank account.
All three documents are required to submit your application — we can't process an incomplete file.
A clear photo or scan of your green barcoded ID book, smart ID card, or valid passport.
Your most recent three months, showing your account name and number, used for our affordability assessment.
Your latest payslip, or three months' income for self-employed/informal income applicants.
Credify payday loans run for a single one-month term. We charge interest and fees at the maximums prescribed by the National Credit Act, itemised below.
| Cost item | Rate |
|---|---|
| Loan term | 1 month, repaid in full on the due date |
| Interest | 5% of the loan amount (NCA maximum) |
| Initiation fee (once-off) | R165 + 10% of amount over R1,000, capped at R1,050 (NCA maximum) |
| Service fee | R60 (NCA maximum, 1-month term) |
| Administration fee | Once-off fee, where applicable, confirmed in your Pre-Agreement Statement & Quotation |
| Total cost of credit | Interest + initiation fee + service fee + administration fee (if any) |
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Between R500 and R3,000, repayable in full one month after payout. The exact amount you qualify for depends on our affordability assessment.
Once your application and documents are verified and you've signed your credit agreement, payout is same-day in most cases, subject to your bank's processing times.
The NCA requires every registered credit provider to run a proper affordability assessment before granting credit. Bank statements and proof of income let us confirm you can comfortably afford the repayments — this protects you from over-indebtedness.
Yes. Credify Cash Loans is registered with the National Credit Regulator under registration number NCRCP23490. You can verify this directly with the NCR at 0860 627 627 or www.ncr.org.za.
Contact us immediately — before your due date, if possible. We'd rather work out a plan with you than let it escalate. If you're struggling more broadly with debt, NCR-registered debt counsellors can help; call the NCR on 0860 627 627.