NCA COMPLIANT – RESPONSIBLE LENDING

CASH WHEN YOU
NEED IT MOST

R8,000MAX LOAN
 
1 DayMIN TERM
 
30 DaysMAX TERM
 
FastAPPROVAL
LOAN AMOUNT
R100R8000
LOAN TERM
1 Day30 Days
Fees
Interest
Total Repayment

Representative Example

If you borrow R2,000 over 1 month at an interest rate of 3% per month:

  • Initiation Fee: R165 (plus 15% VAT = R189.75)
  • Service Fee: R60 (pro-rated if the first month is shorter)
  • Interest: R60 (3% of R2,000)

Total Repayment: R2,309.75

This equals a representative APR of 36%.

LOAN AMOUNT
R100R8000
LOAN TERM
1 Day30 Days

Rates applied (NCA maximum):

Interest: 5% per month (pro-rated daily)

Service fee: R60/month (pro-rated)

Initiation fee: 15% of principal (max R1,050)

VAT: 15% on fees

YOUR ESTIMATED QUOTE
LOAN AMOUNT
LOAN TERM
INTEREST
FEES (INCL. VAT)
TOTAL REPAYMENT
This is an illustrative estimate based on NCA maximum rates. Your actual repayment amount will be clearly stated in your loan agreement before you sign. Sikhona Cash Loans is committed to full transparency — no hidden charges.

SHORT-TERM CASH LOANS

Fast, fair, and transparent lending solutions for everyday South Africans. Borrow from R1 to R8,000 for 1 to 30 days.

Loan Amount

Loan Amount

Borrow from as little as R1 up to a maximum of R8,000 — sized to fit your actual need.
Flexible Terms

Flexible Terms

Choose a repayment period from 1 day to 30 days — you pick the timeframe that works for you.
Full Transparency

Full Transparency

See exactly what you'll repay before you sign. No surprises, no hidden fees — complete clarity from start to finish.
NCA Compliant

NCA Compliant

Every loan is issued in strict compliance with the National Credit Act and all relevant regulatory frameworks.