Getting a Sikhona Cash Loan is straightforward and fast. Here's how we take you from application to cash in hand.
Complete our simple application – online or via Whatsapp. Tell us how much you need and for how long.
We conduct a responsible affordability and credit check in line with the National Credit Act to ensure the loan is right for you.
We present a clear, transparent loan agreement showing your exact repayment amount, fees, and interest — no surprises.
Review and sign your agreement. You're always in control — only proceed when you're completely satisfied with the terms.
Once signed, funds are disbursed promptly. We aim for fast turnaround so you can address your urgent financial need.
Repay on your agreed date. We'll remind you ahead of time. Early repayment is welcomed — no penalty for settling early.
Valid green ID book or smart card.
Latest payslip or 3 months bank statements.
Active South African bank account.
Mobile number and email address.
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We’re a reputable micro lender dedicated to accessible & affordable financial solutions.