Registered credit provider · NCRCP19612
Borrow. Pay.Repeat.
Cash Loans, Secured Lending & Cash for Gold. Fast, Fair & by the Book.
See what it costs,before you commit.
Pick an amount and a term, then request your quote. No forms, no obligation.
Estimate
Short-Term LoanR 50 000
Short-Term Loan: R 8 001 – R 50 000 · 6 – 12 months
Repayment term
6 months
Monthly instalment
R9 828.68
Total fees
R1 567.50
Total interest
R7 404.60
Please note that these are only approximate figures. All rates are calculated on a daily basis as stipulated by the National Credit Regulator. Please request a quote from us to determine the actual repayment amount and installment(s) should you wish to apply for a loan.
- R250k
- Maximum loan
- 48 hrs
- Decision, docs in hand
- R1k
- Minimum loan, from
- NCRCP19612
- NCR registered
Our loans
From quick cashto big plans.
Three loans. Pick the one that fits you.
Cash Advance
Quick cash for emergencies
- R1,000 – R8,000
- Repay 1 – 3 months
- Quick approval
- Unexpected expenses
Short-Term Loan
Extra money, paid back over a few months
- R8,001 – R50,000
- Repay 6 – 12 months
- Flexible repayments
- More flexibility
Long-Term Loan
Big amounts, up to 2 years to pay
- R50,001 – R250,000
- Repay 12 – 24 months
- Major purchases
- Subject to affordability
Financial help whenyou need it most.
Fast, fair, judgement-free lending for everyday South Africans.
Transparent lending,done right.
A registered South African credit provider built on one idea: lending should be fast, transparent and fair. Every cost disclosed up front, no queues.
- 48 hrs
- Decision, docs in hand
- R1k–250k
- Loan range
- NCRCP19612
- NCR registered
Four simple steps to get started
Easy to follow. Easy to understand.
- 01
Apply online
Complete our quick online application. No queues, no hassle, from any device.
- 02
Get a clear decision
Once your documents are in, our team reviews your application and you can expect a decision within 48 hours.
- 03
Sign & verify
Accept your transparent offer and submit your documents securely. No hidden surprises.
- 04
Receive your cash
Once approved, your funds are paid straight into your bank account. Simple.
Before you start
You'll create an account on our secure application portal, then complete your personal, employment, banking and affordability details.
You can save and come back at any time. Once we have your full document pack, you'll have a decision within 48 hours.
- Valid South African ID
- Proof of residence (under 3 months)
- Latest 3 months' payslips
- Latest 3 months' bank statements
- A selfie for ID verification
- 18 years or older
Cash for Gold & Valuables
Turn your gold coins, Krugerrands and other valuable coins into cash at market value. We also offer finance against designer jewellery, watches and other luxury valuables with the required documentation.
- 1WhatsApp us a clear photo of your item on 072 013 1943
- 2We assess the item to see if it meets our requirements
- 3If suitable, bring it in for an in-person inspection and valuation
- 4Receive your quote and, where applicable, payment by EFT
Required for valuables: serial number, certificate of authenticity and valuation certificate where applicable.
A separate service
Cash against your vehicle
Need access to cash without selling your vehicle? If your vehicle is fully paid off, you can use it as collateral for short-term finance.
- 1Send us a clear photo of your vehicle via WhatsApp
- 2Provide your Natis RC1 and proof of insurance
- 3Bring your vehicle in for assessment
- 4Get a quote and access cash against your vehicle
Your vehicle must be fully paid off and meet our requirements.
Questions, answered
Everything you might want to know before you apply.
How much can I borrow from Presto Loans?
It depends on the loan option you choose and your affordability. Cash Advances range from R1,000 to R8,000 and are repayable over 1 to 3 months. Short-Term Loans range from R8,001 to R50,000 and can be repaid over 6 to 12 months. Long-Term Loans range from R50,001 to R250,000 and are repayable over 12 to 24 months. The amount and repayment term you qualify for will depend on a responsible affordability assessment.
Are there any upfront fees?
No. There are no upfront fees. Every cost is disclosed in your pre-agreement before you accept the offer, and all fees are regulated by the National Credit Regulator.
What do I need to apply?
To apply, you'll need to be 18 or older and have a valid South African ID, proof of residence dated within the last 3 months, your latest 3 months' payslips, and your latest 3 months' bank statements. You'll also need to provide a selfie for ID verification.
Can I apply if I am self-employed?
Yes. You'll need to provide 3 months' recent bank statements that clearly show your source of income. We may ask for additional supporting documents during the assessment.
Can I apply if I am under debt review?
No. As a responsible, NCR-registered credit provider we cannot grant credit to anyone who is currently under debt review.
Do you do credit checks?
Yes. As a responsible, NCR-registered credit provider we run credit and affordability assessments on every application, to make sure the loan is suitable and affordable for you.
The next step
Ready when you are.
Apply online. Once we receive your completed documents, we'll assess your application and provide a decision within 48 hours.