The 10 Best Instant Cash Lenders in South Africa

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Have you ever found yourself in a financial bind and needed quick cash? If you’re like most people, you’ve probably considered taking out a loan. But what if you have bad credit or no credit history?

That’s where no credit check loans come in handy. In South Africa, there are many quick loan options available that don’t require a credit check.

These loans can be a lifesaver for those who need money fast but don’t have a good credit score. But with so many options out there, how do you know which lender to choose?

That’s where we come in. We’ve done the research and put together a list of the 10 best no-credit-check quick loans in South Africa.

Our list includes lenders who offer competitive interest rates, flexible repayment terms, and easy application processes. Whether you need a small loan to cover unexpected expenses or a larger loan for a big purchase, we’ve got you covered.

So if you’re in need of quick cash but don’t want to undergo a credit check, keep reading to find the best no-credit-check loan option for you.

No Credit Check Quick Loans in South Africa

1. African Bank

African Bank is one of the leading providers of quick loans in South Africa, offering a range of loan amounts ranging from R1,000 to R200,000.

Their online application process is incredibly straightforward and fast; making it ideal for those seeking an instant solution to manage their financial needs.

With repayment periods between 90 days and 72 months, they’re the perfect option for those looking for short-term borrowing solutions with long-term affordability.

Their interest rates are amongst the most competitive on offer in the region too – typically sitting between 10.5% and 28%.

This means you’ll be able to borrow money at a reasonable rate that allows you to pay back your debt without extensive strain on your finances.

Furthermore, despite offering no-credit-check loans that require minimal paperwork and wait times, their customer service team still offers exemplary service to ensure all queries get answered promptly and satisfactorily.

Overall, African Bank provides some of the best instant cash lenders in South Africa for individuals needing quick access to finance without undergoing a lengthy approval process or having bad credit found against them.

With an array of loan choices available as well as exemplary customer service offered by one of South Africa’s biggest microlenders.

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2. Nedbank

Nedbank offers South Africans the best no-credit-check quick loans with competitive interest rates of 8%.

You can access up to R200,000 in a short space of time, and have up to 60 months to repay it.

This financial solution is ideal for those who find themselves in an unexpected cash crunch or need to cover emergency expenses.

With innovative products and services, Nedbank caters for all kinds of needs such as financing education, buying a second-hand car, debt consolidation or purchasing home appliances.

Once your application has been approved by pre-selected customers you may receive funds within 24 hours.

Apply for Nedbank Quick Loan

3. Get Bucks

For those looking for a fast cash loan with no credit checks, GetBucks is one of the best choices in South Africa.

Their quick online and SMS applications make it easy to get a loan when you need it most, without lengthy application forms or extensive credit checks.

With competitive interest rates starting at 60%, clients can get up to R4,000 within minutes right into their accounts.

And with repayment schedules ranging from 7 days to 45 days, borrowers can choose how long they need to pay off their loans while also staying within their budget.

GetBucks’s unique platform provides complete transparency; customers can view their credit records and use the accompanying budgeting tool to help manage money better.

They are always striving for innovation in order to provide better services for clients who require access to emergency finances quickly and securely — with the added bonus of having a convenient repayment schedule that works around you.

Apply for GetBucks Quick Loan

4. Lime24

With an easy-to-navigate online platform that takes minutes to complete, Lime24 is one of the top and most trusted instant cash lenders in South Africa.

They focus on providing fast, convenient and reliable loan solutions with no credit checks to those needing a short-term loan to cover unexpected expenses or emergency bills.

You can apply for loans ranging from R500 up to R5,400 and pay them back over 5 days to 36 days – making it one of the best options for quick cash online.

Applications are conveniently open 24 hours a day, 7 days a week with application decisions made within 5 minutes without any paper documents needed.

Once approved, you can receive funds in as little as an hour!

With your first successful loan repayment, you also gain access to higher loan amounts going forward when re-applying with Lime24.

For this reason, Lime24 has become one of the leading providers of the best no-credit-check quick loans in South Africa – offering trustworthy financial services that get you what you need promptly so you can have peace of mind moving forward.

Apply for Lime Quick Loan


Fasta is one of the leading providers of quick and easy no-credit-check loans in South Africa.

Customers can access up to R8,000 with repayment options of up to four months, making this a great option for those looking for a short-term solution to their financial challenges.

Best of all, Fasta’s interest rates are highly competitive – ranging from nearly zero per cent to just 3-5%.

Fasta is part of the Fintech Corporation family – a company with decades worth of experience in financial services.

With its safe, simple and fast online platform, customers can be sure they will receive quality service while also enjoying access to a shopping voucher that can be used at participating retailers both online and in physical stores.

Apply for Fasta Quick Loan

6. RCS Loans

RCS Loans is the best in South Africa when it comes to instant cash and no credit check quick loans.

With interest rates ranging from 15%-24.75% p/a, you can get a loan of up to R250,000 with repayment terms lasting anywhere between 12-60 months – all without having to stand in line or sign mounds of paperwork!

The process is simple and easy; just fill out an online application form, submit it, and they’ll let you know quickly if your loan has been granted.

From there, the funds will be transferred into your account within 24 hours so that you can begin using them right away.

Whether you need some extra money for home repairs, vehicle maintenance, furthering your education or even a special event such as a wedding – trust RCS Loans for the best deals on quick loans in South Africa.

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7. Standard Bank

Standard Bank is one of the best instant cash lenders in South Africa, offering personal and business finance, as well as corporate and investment banking services to its customers.

With more than 151 years of experience, they operate in 17 other African countries with a total of 1250 branches and 8500 ATMs dispersed over the continent.

If you are looking for quick loans without credit checks, Standard Bank can provide loan amounts up to R300,000 based on an affordability assessment.

Their competitive interest rates provide rapid loan application and approval while also allowing fixed minimum monthly repayments with no penalty fees if you choose to terminate before the end of your repayment period.

Furthermore, optional credit life insurance is available for added financial protection should unforeseen circumstances arise.

In order to be eligible for Standard Bank’s quick loans up to R300,000, applicants must be between the ages 18-65 with formal employment that brings them a salary or wage of at least R3 000 per month after deductions and has access to an active bank account.

Repayment periods generally range from 90 days and nights all the way up to 60 months depending on individual needs; making it suitable for any large purchase or school payment plan requirement.

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8. FNB Loans

If you are a South African looking for the best offers on instant cash loans with no credit checks, then look no further than FNB.

They provide an incredibly flexible and affordable loan option, with up to R300,000 available and repayment periods of anywhere between 30 days & 60 months depending on your needs.

Not only that but their interest rates begin at an unbeatable 13.5%, making them one of the best options around.

To create a tailored package based on your requirements, simply submit a few documents including your green bar-coded South African ID or Smart Card, proof of residence, bank account details and salary proofs – all available within minutes in most cases!

With FNB you won’t be faced with any hidden fees or penalties either; if you wish to pay off your loan early, there will be no additional charges involved.

So make sure to check out FNB today for their fast and simple loan process – perfect for those times when money is tight!

9. Boodle Loans

Getting quick cash into your bank account when you need it most can be a challenging task. Fortunately, South Africans now have access to Boodle Loans – one of the best providers of no credit check, instant cash loans with incredibly flexible repayment options.

When making an application with Boodle Loans you will receive a rapid decision and the funds could be in your bank within 10 minutes if approved.

Loan amounts range up to R4,000 and are subject to interest rates of 60% over 30 days – 6 months depending on how quickly you would like to pay off the loan.

The money is yours to spend however you choose, whether that’s paying off unexpected expenses or taking that well-earned break.

Applying online is simple and secure – all they require are details about yourself including age and source of income – but there are no invasive credit background checks involved in the process.

Once approved, borrowers can set up a direct debit order for repayment which avoids any additional strain on time or resources as payments will be automatically taken from their account each month.

Whether life throws curve balls or contains pleasant surprises, Boodle Loans make sure its customers don’t miss out on anything by providing them with quick access to instant cash – simply when they need it most!

Apply for Boodle Quick Loan

10. COBOL Loans

South Africans looking for a no-credit check quick loan to help them out of financial difficulty have the option of applying with COBOL.

Based in Cape Town, they provide best-in-class loan services according to the National Credit Act regulations, meaning that you won’t be lent more than what is affordable and manageable for you.

Applications are completed easily and swiftly online with no need to fax or scan any documents before submitting – just fill out the form and submit it.

Loans can range up to R5000, with interest rates from 124 – 212%, payable over 30 days up to 6 months depending on your lending agreement.

Decisions are made within 10 minutes so you know rapidly whether or not your loan has been approved and can start preparing for how best to use it: repair your car, pay medical bills or just get back on track financially as quickly as possible.

COBOL offers some of the most competitive interest rates and repayment conditions available in South Africa today; making them one of the preferred providers when seeking an instant cash injection without being subjected to a hard credit check that could damage credit scores.

Apply for Cobol Quick Loan

Last word

When you have a financial emergency, the best approach is to find an instant cash lender in South Africa who doesn’t require extensive credit checks and can get you your funds within 24 hours.

These short-term loans are called no-credit-check quick loans and are probably the most convenient way to access money quickly without having to go through complex requirements.

There are now many lenders offering online services who can provide fast access of anywhere between R5000 – R15000 that must be repaid over a period of up to 3 months with interest rates varying from company to company.

Finding the best no-credit-check quick loan providers in South Africa may take some research, as it’s important to compare each lender’s eligibility criteria, repayment terms and fees before making your choice.

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