The 90 Day Loan

Divide and conquer - that is the 90 day loan in three words. You get the money with the same speed as any short-term product, but the repayment splits into three monthly pieces instead of one heavy hit. For most budgets, that difference is everything.

Why Three Instalments Beat One

Take a R6 000 shortfall. Repaying it all on your next payday leaves that month gasping; repaying R2 000-and-change across three months barely dents the groceries. The 30 day loan wins on total speed, but the 90 day version wins on comfort - and comfort is what keeps repayments on time and credit records clean.

Approval With Imperfect Credit

Short terms make lenders braver. With exposure capped at three months, a wobbly credit score carries less weight than it would on a multi-year deal, which makes this one of the most accessible products we arrange. Genuinely bad records still have routes too - ask us.

Spend It on What Matters

School fees due before the bonus lands. A fridge that died mid-summer. Municipal arrears threatening the lights. A family event that will not reschedule itself. The purpose is yours; our only concern is that the instalment fits your income - which is exactly what the affordability check confirms.

The Usual Guarantees

NCR-registered lenders, National Credit Act pricing, and a confidential process from form to payout. Requirements: SA ID, bank account, R3 000+ monthly income. Compare alternatives on the loan types page or apply online now - it takes minutes.