Rating based on 5 reviews

Southern Finance

  • Payday loans up to R4,000
  • Same day payouts
  • Low-interest starting from 38%

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Southern Finance homepage
Author Southern Finance. Screenshot of Southern Finance website.
[Accessed December 9, 2022]

About Southern Finance

If you are in need of instant cash let Southern Finance assist you with the best payday loan in South Africa.

Southern Finance is a South African-based company and is accredited through the NCR, the National Credit Regulator. Their flexible short-term loans; payday loans of up to R4000 are provided to you online. Their up-to-date and rapidly responding online program enables you to apply for a loan online at any time that suits you best.

Your information is safe with Southern Finance

Southern Finance keeps your information safe and private. Because they are a well-trusted financial firm, therefore, all information is kept under the law and financial data regulations. You may also read through their privacy policy so that you can better understand why they need certain information for your payday loan financial file.

Getting through the month made easy

For any emergency expenses that you need to cover, Southern Finance has the short-term loan funding solution that you need. They call this a payday loan.  Southern Finance offers you hassle-free payday loans to get you through the month, making your life much less chaotic.

Southern Finance Services

Southern Finance brings you the best quality and maintains the highest standards.

Once your payday loan has been approved, they set up a suitable monthly debit order, according to a date that would suit you. This will allow you to relax and let the automated payments do all of the inconvenient work for you.

When you renew a loan with Southern Finance, it’ll be seen as a new payday loan. The same rates and fees will apply, and you do not get charged extra interest on your second payday loan.

  • You can borrow up to R4000 from Southern Finance.
  • Access interest rates from as little as 38% per annum.
  • You can make sure you receive your payday loan money immediately at only R57.
  • Payments are made directly into your bank account.
  • All collection payments are done through debit orders. In the case that you have existing debt, Southern Finance will review your credit history and evaluate your financial situation so that they can find a way to help you with your personal finance.

Other services you can access

Southern Finance promises to provide you with clear and concise advice through its expert financial team. You can rest assured that their always ready to assist you as your financial well-being is important to them.

Southern Finance – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 38%
  • Loan Amount up to R4,000

Benefits of Southern Finance

  • Immediate response
  • same day payouts
  • Easy loan application

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.

It’s all about what we can do for you

Southern Finance’s immediate payday loan same-day payments are there just in case there’s no possible way for you to wait 24 hours.

Their online loan platforms are constantly being monitored for any issues to ensure that you always get the best service possible. Southern Finance’s website is automated which ensures that you always receive an instant response when you need their help.

Urgency is what the world revolves around now–a–days and this is why they provide this option. This is their way of being able to support their customers the way a loan company should.

What you’ll need to apply

  • You need to have a valid South African ID
  • You must be over the age of 18
  • You must also have a valid bank account
  • You must be employed and earning a stable income

Apply in a few easy steps

Step 1

You get to choose your payday loan

To find out if you are eligible for a payday loan, simply supply them with your identity number, accept the terms and policy form and you will receive your answer.

  • On the home page, you will see there is a payday loan amount bar that you can slide up and down to tell Southern Finance how much you want to borrow. They will show you the total cost of your payday loan, including interest.

Step 2

Complete the easy online application form.

Details that will be needed

  • Your contact details.
  • Your physical address and postal address.
  • Your employer details.
  • A breakdown of your monthly income and expenses.
  • Your banking details for your cash to be deposited into your account.

Benefits of Southern Finance payday loans

  • These payday loans are available on the same day that you apply.
  • Low-interest rates.
  • You get an immediate response when you have any questions regarding your payday loan.
  • Their online application is quick and easy.
  • Great service delivery.
  • They are an NCR accredited company.
man holding thumbs up

Southern Finance is a trusted & reliable provider of payday loans

In our review, Southern Finance adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Southern Finance is a registered credit provider in South Africa: NCRCP11981

Customer Reviews & Testimonials

March 2020

I got such a good deal with Southern Finance

Michael P
— Johannesburg —

October 2019

My payday loan was approved the same day

Jake T
— Bloemfontein —

August 2019

I got an R4000 loan through Southern Finance

Leona F
— Port Elizabeth —

Southern Finance Contact

Physical Address

Opening Hours

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