New and returning customers
- Loan amount
- R500-R1 500
- Repay after
- 7, 14 days
Short-term loans in South Africa
Compare short-term loan costs.
Compare loans from R500 to R5 000, repaid once after 7 to 30 days.
New-customer examples stop at R3 000. Payday Plus is for returning customers. The partner confirms available amounts after assessment.
You’ll continue to an independent partner. Approval, rates and available benefits depend on the provider. How the link works.
Estimate your total repayment
Repayment estimate · the provider confirms your final costs
R1 500.00R3 000.00
You would repay onceR2 453.75
After30 days
Includes a Welcome fee saving of R20.00.No fee benefit is included.
View the cost breakdown
- Amount you receive
- R2 000.00
- Interest (5% per month)
- R100.00
- Initiation fee incl. VAT, before benefit
- R304.75
- Welcome benefit if applicable
- −R20.00
- Service fee incl. VAT
- R69.00
- Credit-life insurance
- R0.00
- Total to repay
- R2 453.75
This classification is separate from being new to RandHaven. The applicable rate must be checked before an offer.
Service fees are apportioned by calendar month. Interest uses a disclosed 30-day month assumption. Read the method.
You’ll continue to an independent partner. Approval, rates and available benefits depend on the provider. How the link works.
This is an illustration, not a quote or loan approval. Credit and affordability checks would apply. All costs and conditions.
Choose an amount and repayment date
Each option has one scheduled repayment. Compare the amount, term and customer requirements.
Payday
New and returning customers
- Loan amount
- R1 500-R3 000
- Repay after
- 14, 21, 30 days
Payday Plus
Returning customers only
- Loan amount
- R3 000-R5 000
- Repay after
- 21, 30 days
Identity, credit and affordability checks apply. These ranges and examples do not guarantee an offer. Read the loan information.
What you receive and what you repay
The estimate separates interest, initiation and service fees, and any fee saving.
Example: R2 000.00 for 30 days from 1 November 2026, with 5% monthly interest and the Welcome benefit. Fees include assumed VAT. No insurance is included.
Read the calculation methodA Payday cost example
- Amount you receive
- R2 000.00
- Interest (5% per month)
- R100.00
- Initiation fee incl. VAT, before benefit
- R304.75
- Welcome benefit if applicable
- −R20.00
- Service fee incl. VAT
- R69.00
- Credit-life insurance
- R0.00
- Total to repay
- R2 453.75
Model RH-PDL-1.0. Illustration only, not a quotation.
Check the requirements
- Age and identity18 or over, resident in South Africa, with a valid SA ID.
- Income and commitmentsVerifiable income and enough to cover the full payment after essential costs.
- Your own bank accountAn account in your name, verified through an approved secure process.
Before an agreement
-
Compare the repayment
Choose an amount and term, then inspect interest and fees.
-
Prepare your documents
Read the checklist. This website does not collect documents.
-
Review the assessment and offer
A lender must assess the request before offering an agreement.
-
Confirm the repayment date
Check the complete payment and how it will be collected.
RandHaven CircleUp to R30initiation-fee saving
Who could qualify for Circle?
For a new approved agreement after a RandHaven loan fully settled within the previous 24 months. New credit and affordability checks apply. Check whether the benefit is included in your quotation.
Up to the fee payable, including VAT. Welcome and Circle do not stack. Budget tools and support are free for everyone.
See Circle eligibility and savingsQuestions about the loans
Visit the help centreHow much could I borrow?
The range is R500-R5 000. New-customer examples stop at R3 000; Payday Plus is for returning customers. These are product limits, not a personal offer.
Will the calculator affect my credit score?
No. It makes no credit-bureau request and collects no identifying details. It illustrates the pricing model.
How do Welcome and Circle differ?
Welcome provides up to R20 off a first RandHaven initiation fee. Circle provides up to R30 for eligible returning customers. The benefits do not stack. See Circle eligibility and savings.
Can I settle early?
Request a dated settlement figure from the lender. It can differ from the original calculator total. Read about early settlement.
Can I apply on this website?
Choose “Apply for a loan” to continue to our independent partner. You complete the application there. The provider assesses your request and confirms the terms before you accept.
Guides to loan costs, documents and repayment
What does a loan really cost?
See how interest and fees change the total repayment.
Read the worked cost exampleHelp with repayments, costs and complaints
About RandHaven
Compare repayment costs, read the requirements and continue to an independent application partner. The provider assesses your request and confirms the final offer.
Company and registration information