Rating based on 58 reviews

Budget Cash Loans

  • Short-term loans up to R3,500
  • Low-interest up to 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 8, 2022]

About Budget Cash Loans

When Budget Cash opened its doors to the public in 2002, they had no idea it'd grow into the influential brand it is today.

By offering fast cash loans, and short-term loans to clients, they've been closing a gap in the market and helping South Africans through their toughest days. 

Loans for blacklisted clients

In the short time that this lender has been around, they've managed to grow their presence incredibly and now have 8 branches across the country. Furthermore, you'll be pleased to know that they also assist blacklisted clients and those who have a bad credit history.

Budget Cash's loans are fast and simple, allowing you to get instant cash as soon as you submit all the required documents and a completed loan application form.

It's mandatory that all lenders comply with the rules and regulations of the National Credit Act. Budget Cash abides by the NCA and is ready to help you with your emergency needs in a responsible manner. 

Budget Cash Loans Services

A lot of people bear the misconception that bad credit loans, blacklisted loans, and short-term cash loans, are difficult to obtain and unaffordable. 

Many also find it hard to trust that applying by completing an easy online loan application they can quickly and safely get a loan. 

This is not the case. Bad credit loan applications are as safe as for those who have good credit scores - and you can find the ideal option with a fair rate.

Everything is attainable with Budget Cash

The fact that you don’t have a perfect credit score shouldn’t discourage you from getting credit. The only time Budget Cash will deny your loan application is when they actually see that you have too much on your plate.

It's mandatory that you stick to your budget without fail and ensure that you meet all your financial obligations on a monthly basis - and this lender will see to it that your new loan doesn't get in your way.

Budget Cash Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate up to 60%
  • Loan Amount up to R3,500
  • Repayment 5 days to 40 days

Benefits of Budget Cash Loans

  • Payout within 24 hours
  • Fast service 
  • Bad credit? No problem
  • Loan terms for all budgets
  • Loans available of up to R3500

Short-term loan calculator

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

Budget Cash makes getting a short-term cash loan a breeze

Budget Cash's specialists know how to handle business, people, and finance. Therefore, you can trust and believe that you're in good hands with them.

It's difficult to add another expense to your budget especially because everything is so expensive lately. No matter how much you might want to avoid getting a loan, we all experience a cash emergency that we simply can't cover financially. 

Can you afford a loan?

It wouldn’t serve any purpose to have customers search for loans aimlessly. If you have too many expenses and won’t be able to pay for the loan you're applying for, Budget Cash won't be able to assist.

Governed by the National Credit Act

The National Credit Act is what gives all FSPs strict guidelines on what they should do during loan applications and where they should draw the line. As much as Budget Cash would like to help everyone, they can’t if there's reason to believe that you're in financial distress.

Furthermore, even though Budget Cash assists those who don’t have a good credit score, they still have restrictions. At the end of the day, they don’t want to leave you bankrupt after you've paid their short-term loan. They want you to pay it off comfortably.

Budget Cash has helped a number of customers with loans for blacklisted clients and loans for customers who have a bad credit history.

It might be the perfect time to start thinking about your financial well-being! There's no better time to start than today to set up a budget and decide on the best way to move forward. If you're ready to apply for a loan, Budget Cash is ready to help you. 

man holding thumbs up

Budget Cash Loans is a trusted & reliable provider of short-term loans

In our review, Budget Cash Loans 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.

✅ Budget Cash Loans is a registered credit provider in South Africa: NCRCP471

Customer Reviews & Testimonials

May 2019

I’m a bit old school so I visited one of their branches to discuss taking out a short-term loan. From the moment I walked in till I left, the service was impeccable! The consultants were friendly...

Dale M
— Nelspruit —

May 2019

The process was very quick. They understood that I needed the cash for my short-term loan quickly and they delivered. Thank you for putting my needs first.

Kagiso M
— Johannesburg —

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