Payday loans in South Africa – Get free quote today

Get offers on the same day and have the money on your bank account within 24 hours!

  • Loan offers from up to 16 banks & lenders
  • Quick application and payment
  • Free application without commitment
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Together with our partners, we provide access to up to 19 reputable banks and lenders. Explore offers tailored to your needs and choose the most suitable offer. Each lender abides by the regulations outlined by the South African National Credit Regulator (NCR).

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✔ Over 2 million South African's have chosen Arcadia Finance

*Representative example: Estimated repayments of a loan of R30 000 over 36 months at a maximum interest rate including fees of 27,5% APR would be R1232.82 per month.
Loan amount R100 - R350 000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.
Myloan

We work with Myloan.co.za. A leading loan marketplace in South Africa.

Who can apply for a payday loan?

  • You are over 18 years old
  • You are employed and employment has lasted for more than 6 months
  • Your loan should not be more than 8 times larger than your monthly income

What is Arcadia Finance?

Arcadia Finance helps South Africans in the search for loans from different banks and lenders through our loan broker partners. We provide access to up to 16 reputable banks and lenders. By filling our loan application you will get multiple loan offers, which you can compare and select the most suitable offer. The service we offer is completely free of charge and you will not commit to anything by requesting for loan offers via Arcadia Finance. We only work with trusted loan brokers who collaborate with NCR licensed banks and lenders in South Africa.

Send your application now

Compare loans in 3 easy steps

step1

Fill in our application

Complete our loan application in minutes. Just enter your details and choose your desired loan amount.

step2

Choose a loan offer

Based on your responses, you will receive a variety of personalized offers from up to 19 lenders.

step3

Get your money

You are free to accept or decline the offers as you please. The offers are non-binding.

About Arcadia Finance

Obtain your payday loan with ease through Arcadia Finance. Applying won’t cost you anything, and you’ll have the choice of selecting from 16 reputable lenders. We only work with trusted loan brokers who collaborate with NCR licensed banks and lenders in South Africa.

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Frequently Asked Questions

What is a payday loan?

A payday loan is a short-term loan designed to help you cover expenses until your next paycheck. It is typically meant for smaller, immediate needs and must be repaid by your next payday​.

How much can I borrow with a payday loan?

Payday loan amounts can range from R100 to R8 000, depending on your monthly income and lender policies. The loan amount is usually limited to ensure you can repay it with your next paycheck​.

What are the basic requirements to qualify for a payday loan?

To qualify for a payday loan, you must be over 18 years old, employed for at least six months, and have a monthly income that justifies the loan amount, which typically should not exceed eight times your monthly income.

How long do I have to repay a payday loan?

Payday loans typically need to be repaid within 30 days or by your next paycheck. However, some lenders may offer slightly extended terms depending on the loan structure​.

Will applying for a payday loan affect my credit score?

It may have little to no impact on your credit score. However, failure to repay the loan on time or missing payments could negatively affect your credit history​.