Rating based on 66 reviews

Alt Bridge


  • Pension bridging loans up to R150,000
  • Low-interest starting from 27.5%
  • Repayment up to 3 months

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Author Alt Bridge. Screenshot of Alt Bridge website. [Accessed July 24, 2019]

About Alt Bridge

Altbridge is your answer when you need a customized financial solution in the form of a personal loan.

We provide bridging finance to clients that have high-security assets and are awaiting a payout from their Pension or Provident Fund. Our team of highly experienced and dedicated staff are there to explain the process and answer any questions that you may have.

Bridge the cash gap

Pension and Provident funds may take a very long time to pay out and while you are waiting you may find yourself with a cash flow problem. Nothing is worse than having money, but not having access to it! Some funds may take up to a full year to payout, that is a very long time to wait for your cash. This is where we come in, apply for a loan that will give you cash in hand right now while you wait for your payout to be settled.

How much can I borrow?

To apply for one of our pension bridging loans you need to be waiting for a minimum payout of at least R100 000 to a maximum payout of R3 000 000. Clients can apply to borrow up to 10% of the total expected payout amount. The amount that you will be granted will depend on your level of affordability and other factors. Our company has over 60 years in the property and financial field and over 40 years in the loan business this gives us an edge in the industry and allows us to bring you the best pension bridging loan options.

Alt Bridge Services

The pension bridging loans that we offer are highly competitive and can be customized to meet your individual requirements.

You can apply for one of our bridging loans if you are waiting for a pension payout, a settlement from your retirement annuities, policy payouts, claims for disability and divorce claims, as well as death claim payouts or money, from the sale of your property.

Requirements to apply for a pension loan include:

  • You must be a South African citizen that is over the age of 18
  • be waiting for a payout of between R100 000 - R3 000 000 and provide proof of this
  • Proof of your banking details and a copy of your ID
  • Proof of your address that is no older than 3 months
  • A letter from the fund confirming your payout

Benefits of using our service include:

  • Earn cash when you refer a friend
  • Get cash-in-your hand quickly – no need to wait for your payout
  • Excellent customer service and expert advice
  • Transparent short-term loan contract with easy to understand terminology
  • An instant decision and easy repayment terms

Alt Bridge – Pension bridging loan

  • Loan Type Pension bridging loans
  • Interest Rate from 27.5%
  • Loan Amount up to R150,000
  • Repayment 30 days to 3 months

Benefits of Alt Bridge

  • A fast and efficient service
  • Trusted and reliable bridging finance

Pension bridging loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Get cash in your pocket while you wait for your pension payout

If you have resigned, retired, settled a divorce, been dismissed or been retrenched you will be able to apply for a bridging loan.

There is no need to wait around for your payout simply borrow against the fund and bridge the gap in the waiting period. Our pension bridging loan allows you to borrow up to 10% of the total pay that you are waiting for.

Even if you have been blacklisted your bad credit loan application will still be considered. A provident fund loan allows you to borrow money against your provident fund. These loans are safer and cheaper than personal loans. These loans need to be repaid in 6 months or when you receive the money from your pension payout.

Advantages of pension bridging loans

The main advantage of a pension bridging loan is the speed at which they can be paid out, you can receive the cash paid into your account in as little as 24 hours. The application is very simple and can be processed very quickly. When you need money urgently then this would be the perfect solution. The only drawbacks on these types of instant loans are that they sometimes charge a high interest rate and if the payout takes longer than expected then you may end up paying more than you bargained for.

What is the risk involved?

A pension bridging loan is not very risky as the loan is secured by the payout that you will receive from your pension fund once it pays out. These types of payouts are usually handled by an attorney as they can become quite complex. The attorney will settle the entire bridging loan once your pension fund pays out.

Your pension fund can take up to 6 months to payout so if you need access to money in a hurry then apply for one of our pension bridging loans today. If your application is successful the money will be deposited into your account within 24 hours. A bridging loan is a temporary agreement that normally only lasts a few months and is settled in one lump sum as soon as your pension fund pays out.

Earn yourself some extra cash

When you have reaped the benefits of using our service and seen how easy it is to apply, you can earn yourself some extra cash. Simply refer a friend and if we reach a successful agreement then we will reward you by depositing R500 into your account as a thank you. The more successful referrals the more money you can make.

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Alt Bridge is a trusted & reliable provider of pension bridging loans

In our review, Alt Bridge 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.

Alt Bridge is a registered credit provider in South Africa: NCRCP 12070

Customer Reviews & Testimonials

February 2019

I am so thankful to Alt Bridge, they helped me out with an advance on my pension fund. I would recommend them any day!

Louise V
— Paarl —

April 2019

With the advance I got on my pension fund, I was able to pay my bills on time this month

Toni S
— Cape Town —

Alt Bridge Contact

Physical Address

  • 10th Floor The Terraces ​, 34 Bree St, Cape Town City Centre Cape town Western Cape 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed