Rating based on 77 reviews

Budget Cash Loans

  • Payday loans up to R3,000
  • Low-interest starting from 60%
  • Repayment up to 40 days

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Budget Cash Loans homepage
Author Budget Cash Loans. Screenshot of Budget Cash Loans website.
[Accessed December 9, 2022]

About Budget Cash Loans

Budget Cash was established in 2002 to provide a fast way for South Africans to find payday loans that won’t break the bank.

Payday loans are easy to apply for and offer same day payouts making them the perfect way to cope with financial emergencies when they pop up.

A responsible lender

Budget Loans follow the rules and regulations set by the NCR in the National Credit Act.  They are a responsible lender and will never extend a loan that could financially harm you.

When you apply for a loan, they will do an affordability check to make sure you can afford to repay the loan comfortably.

Bad credit loans available

They don't turn away clients who have a bad credit score. While Budget Cash will run a credit check, they base their loan approval on the affordability check and not your credit score.

No hidden fees

Their loan packages are transparent. All fees are clearly stated in the loan agreement before you sign it.

Their online platform is easy to use and helps you get cash fast when you need a loan. Complete the online application to receive a detailed quote and find out what your repayments will be.

Budget Cash Loans Services

Budget Cash encourage you only to borrow as much as you can comfortably afford.

Why maintaining a high credit score is important

While lenders won't dismiss your payday loan based on it, your credit score will determine how much interest you'll be charged. 

These loans have a very short term, but interest is charged by the day.  For payday loans to be a viable option, it's best to make sure you get the lowest possible interest rate.

Their loans are so easy to obtain

Apply, submit documentation, and wait for approval. They'll contact you the moment your loan is approved to discuss the terms of your contract.

They have experienced consultants who are passionate about helping you with whatever you need during the loan process. You are never alone and can rely on Budget Cash to get you the most affordable loan.

Solutions for unexpected expenses

A payday loan is a perfect solution for unexpected expenses, but Budget Cash also offer a range of long and short-term loans. They provide a range of loan products that are flexible and made to suit every budget.

Budget Cash Loans – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 60%
  • Loan Amount up to R3,000
  • Repayment 5 days to 40 days

Benefits of Budget Cash Loans

  • PAYDAY Loans
  • UNSECURED Personal Loans
  • SHORT-TERM Loans
  • SAME-DAY Loans

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Need cash in a hurry? Apply for a payday loan & get instant loan approval

Budget Cash South Africa offers you an easy way to find a payday loan when you're having a tough time keeping up with expenses and need some quick cash.

They aim to be a positive force in the lives of anyone in need of financial assistance. Payday loans are an instant cash solution for emergencies.

Fast, seamless, and reliable loan processes

Payday loans are the most accessible loan to qualify for as the lending criteria aren't as strict.

As a short-term loan with a repayment term of up to 40 days, they cost less in fees. With payday loans, the whole amount is repayable in one instalment when you receive your next salary.

Qualification Criteria

Only South African residents with a green bar-coded ID book can apply for a loan. You'll need to have a valid bank account, as this will be the account they pay your loan into. You'll also need to be gainfully employed.

So when you're faced with an emergency medical bill, the tyres on your car have seen the end of the road, or your fridge packs up, don’t despair! A simple application can get you the cash you need in minutes.

Same day payout

Fill out one easy online application form, and a Budget Cash consultant will get right back to you. They'll email you the loan agreement to sign and send back.

Once they've received the signed agreement, they'll pay the loan amount directly into your bank account. The entire process can be completed in a matter of minutes!

Customer Reviews & Testimonials

February 2019

Applying for a Budget Cash loan took me only ten minutes to complete.

Amelia R
— Vanderbijlpark —

February 2019

The loan application system that Budget Cash uses is really convenient.

Jabulani M
— Tsakane —

May 2019

If you looking for affordable credit plan, Budget Cash is your go-to financial services provider.

Veronica E
— Pretoria —

Budget Cash Loans Contact

Physical Address

Postal Address

  • P.O Box 8280, Nelspruit, 1200, South Africa

Opening Hours

  • Monday 08:00 – 16:00
  • Tuesday 08:00 – 16:00
  • Wednesday 08:00 – 16:00
  • Thursday 08:00 – 16:00
  • Friday 08:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed