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Short-term loans from R500

Compare repayments over one, two or three months. Check the interest, fees and total before deciding how much to borrow.

View partner offerLoan requirements

Partner offer. Its prices and eligibility rules are separate from Lendeka’s product information. How this link works.

Lendeka repayment estimate

Choose your loan example
R500R4 000
Pay it back over

1 month: up to R2 000. 2 months: up to R4 000. 3 months: up to R6 000 for returning customers.

Total to repayR1 635.00

1 repayment of R1 635.00. Includes all interest and fees.

See every cost
Amount paid to you
R1 500.00
Interest (3% per month)
R45.00
Initiation fee
R60.00
Service fees
R30.00
Together saving
R0.00
Credit life insurance
Not charged

Fees include any applicable VAT. This estimate uses full monthly periods; your quotation sets the actual dates and any pro rata charges.

View repayment details

This is an estimate, not a loan approval. All applications are subject to credit and affordability checks. Costs and fees.

Lendeka repayment estimate. Model ZA-2026-10-28. Full monthly periods; not a contract or personalised quotation. Printed: 28 October 2026. lendeka.co.za

Amounts and repayment terms

The available amount depends on the term and whether it is a first or returning-customer loan. Credit and affordability checks are required.

Read the product terms
Lendeka product limits
TermFirst loanReturning customer
1 monthR500-R2 000R500-R2 000
2 monthsR500-R4 000R500-R4 000
3 monthsR500-R4 000R500-R6 000

These are product limits, not an approved amount or a partner quotation.

What a R1 500 loan costs

For a first loan over one full month, the total repayment is R1 635.00.

That includes R45 interest, a R60 initiation fee and a R30 service fee. Fees include applicable VAT. There is no compulsory insurance.

The estimate assumes payment on time. A quotation confirms actual dates and any partial-month charges.

Compare costs across the three terms
Amount receivedR1 500.00Total to repay after one full monthR1 635.00Interest and fee breakdown

Before accepting a loan

Prepare the information you need, then check the actual written offer.

  1. Calculate the repayments

    Check every instalment and the total against your budget.

  2. Prepare your documents

    Have your ID, income evidence and bank information ready.

  3. Read the written offer

    Check the creditor, fees, dates and repayment method before accepting.

  4. Keep the payment schedule

    Make repayments as agreed. Contact the creditor early if a payment becomes difficult.

Application requirements
Lendeka Together

R30 off the initiation fee

Together reduces the initiation fee for eligible returning customers. Check the conditions before including it in an estimate.

Together eligibility

Previous Lendeka loan fully repaid within 24 months. New affordability and credit checks apply. No membership fee. See the conditions.

Repayment help

Check a payment, prepare for a conversation with your creditor or find out how to settle early.

All help topics
A payment did not go throughCheck the collection status before paying again.You want to settle earlyRequest a figure for the day you plan to pay.A repayment is becoming difficultContact the creditor and discuss what you can afford.

Money guides

All guides
Making a decision / 5 min read

How to compare two loan offers fairly

Match the amount, term and payment dates before deciding which offer costs less.

Staying safe / 5 min read

Check a loan message before you trust it

Spot the requests and mismatches that should make you pause.

Loan questions

Amounts, costs, eligibility and repayments.

How much can I borrow?
First-time customers can apply for R500 to R4 000. Returning customers can apply for up to R6 000, subject to a fresh assessment. The amount available also depends on the repayment term. See the product details.
What will my loan cost?
The monthly interest rate is 3% on outstanding principal. There is a R60 initiation fee and a R30 service fee per full month. A R1 500 first loan over one full month has a total repayment of R1 635. Fees include applicable VAT. See every cost.
Does using the calculator affect my credit record?
No. The calculator runs on this page. It does not perform a credit check, collect your identity or submit a loan application.
What do I need before applying?
You must be at least 18, live in South Africa and have a valid South African ID, a bank account in your own name and verifiable income. Your regular expenses and existing commitments are considered. Read the requirements.
Is a previous loan a guarantee of approval?
No. Each application is assessed against your current circumstances. A repaid loan or a Together benefit does not guarantee approval or a higher amount.
How does Lendeka Together work?
After fully repaying a Lendeka loan, you may qualify for R30 off the initiation fee on a new approved loan within 24 months. The benefit must appear in your offer. Read the rules.
Can I settle a loan early?
You can request a settlement figure for the date you plan to pay. Use the creditor’s verified contact on your agreement and ask for written confirmation after payment. Understand early settlement.
What if I am struggling to repay?
Contact your creditor as early as possible using the details on your agreement. Explain what has changed and ask about available options. Get repayment guidance.