Rating based on 5 reviews


  • Short-term loans up to R4,000
  • Flexible interest rates
  • Repayment up to 3 months

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Wonga homepage
Author Wonga. Screenshot of Wonga website.
[Accessed October 5, 2021]

About Wonga

Choose exactly how much cash you want, for how many days you need it, and access the best short-term loans, as effortlessly as possible.

That’s right, you are not forced to borrow a fixed sum you might not need, or pay interest for any longer than necessary. This unique flexibility allows you to say exactly what you need and get it! With Wonga’s sophisticated and innovative technology, the application and approval process will literally take minutes.

Their entire service is online and you will receive real-time assistance. This means no paperwork, no phone calls, no meetings with bank managers, and no waiting for hours. They have fully automated the lending process, enabling completely objective and responsible decisions around the clock.

Getting a short-term loan with Wonga

Flexible, automated fast approval, 100% online. Access short-term loan solutions for those times in life when an urgent unexpected expense pops up out of nowhere. Maybe you just remembered your anniversary and you don’t have cash, or an urgent bill just arrived with no warning. Short-term cash flow can at least tide you over for a few days or weeks.

If you are a new customer, you can borrow up to R4000 and they will give you up to 3 months to pay off your loan. If you are an existing customer, you can borrow up to R8000 and they will allow you up to 6 months to pay off your loan. They are responsible lenders - meaning that they will always ensure that their clients are able and can afford the repayment amounts.

Wonga Services

Transparency and flexibility are what Wonga stands for besides of course their impeccably fast service.

The real difference is that they put you in control, you decide on the amount and terms. With Wonga, there are no hidden fees. Their loans start from as little as R500. But if you need R4000 for a few days or a few months, they can also tailor an easy online loan solution for you. Enjoy flexible loan terms from 4 days up to 3 months for new customers and up to 6 months for existing customers.

Helping you find the right loan for you

Comparing loans and finding the right one can be hard, but not if you ask Wonga for help. Wonga has so many different offers from a variety of the very best lenders in the country.

It is important to understand what sets lenders apart from each other; some lenders offer different loan amounts, different repayment terms, charge different fees and interest, some lenders charge additional insurance fees, and some charge fees for late payments. The best part with Wonga is that you can see the full cost of your loan before you apply.

Wonga – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to R4,000
  • Repayment 4 days to 3 months

Benefits of Wonga

  • No hidden costs
  • Quick and easy application process
  • Low interest rates

Short-term 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 quick loans calculator is subject to our terms of use.

Competitive rates for short term loans

The application process takes place in just a few steps and is completely online.

Step 1: By moving the sliders on their homepage you can select exactly how much money you want to borrow and when you want to repay it. You’ll then be able to see the full cost of your loan in real-time. You can click on the [apply now] button once you are happy to proceed.

Step 2: Complete the quick and easy online application form. You’ll have to provide some basic information like your ID number, employment details, monthly income, and expenses as well as your bank account information. They will then immediately advise if you qualify for the loan you want.

Step 3: Income verification. Once approved, they will then need to verify your income. Have your most recent payslips or bank statements ready for this step.

Step 4:  Money transferred to you. Once they verify your income, they will immediately transfer the money into your bank account. Their repayments will also be collected from the same account.

Benefits of applying with Wonga

  • Flexible quick loan amounts and terms
  • Automated systems
  • Fast! Reliable and transparent loans
  • Quick application process and instant approval
  • Immediate cash transfers
  • No hidden costs
  • You can save on interest by paying off your loan sooner.
  • They are responsible lenders that treat their clients fairly and help you make sense of your money.
  • All fees are completely made clear upfront before you apply.
man holding thumbs up

Wonga is a trusted & reliable provider of short-term loans

In our review, Wonga 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.

Wonga is a registered credit provider in South Africa: NCRCP 12875

Customer Reviews & Testimonials

October 2020

I love the way I can know exactly what I’m letting myself into before I even apply.

Marais J
— Aliwal North —

August 2019

A great innovative company with impeccable service delivery!

Hockey J
— Knysna —

April 2020

Highly recommend this company to anyone that enjoys quick and instant. Everything about them is hassle-free.

Maranyane S
— Boksburg —

Wonga Contact

Physical Address

  • 1st floor, 14 Kloof Street, Gardens Cape Town Western Cape 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday 08:00 – 13:00
  • Sunday – Closed