Loans4All offers R500 and R1000 payday loans, settled in 30 days — the smart way to handle a short-term cash need without falling into a longer debt cycle.
This is an estimate. Final offer may differ based on affordability assessment and NCR-approved rates.
A R1000 loan over 30 days is settled in one instalment — freeing up cash again next month. A R4000 loan over 6 months ties up your income for half a year. Here's the same R4500 in different shapes.
It's easier to repay R500 or R1000 from one salary than to repay R1000 a month from each of your next six salaries.
Larger loans block access to cash for emergencies during the repayment period — and missed instalments often lead consumers to take out another loan just to cover the last one. That's the "Debt Trap."
A R500 or R1000 loan, settled within 30 days, avoids that cycle entirely — and successfully repaying several builds your credit score toward bigger products later, like a Consolidation Loan or Vehicle Finance.
From a short-term cash boost to getting completely out of debt review — every product is built around what's actually affordable for you.
A small loan, settled in one instalment after 30 days. Built for genuine short-term needs — electricity, a car repair, or a medical bill — without locking up your income for months.
Apply via WhatsApp →For a once-off R499, our team of experts review your Experian credit report and build an affordable payment plan to all your creditors — under Section 3 of the National Credit Act. No debt counsellor. No third party. You stay in control.
Send "DIY" on WhatsApp →Under debt review and can't get a loan because of it? Whether you were placed under review without knowing, or your circumstances have changed, our registered professionals guide your removal — even where a court process is required.
Send "REMOVAL" on WhatsApp →Tap "Apply via WhatsApp" — or send "DIY" or "REMOVAL" for those services. No forms to download.
ID, latest payslip, and 3 months' bank statements. First-time applicants share the most — repeat applications need less.
We assess affordability and confirm your offer — the calculator estimate, finalised.
Approved before 2pm on a weekday? Paid out same day. After that, or on weekends/holidays, paid by 11am the next business day.
Unfortunately not — the National Credit Act prohibits loans to consumers under debt review. See our Debt Review Removal service if you'd like to be removed from debt review.
Yes, we welcome all pensioners.
Not currently. NCA affordability regulations require us to assess payslips and bank statements together.
Yes, absolutely. We've invested in modern security to safeguard your sensitive information.
Applications approved before 2pm on weekdays are paid out the same day by 8pm. Later applications, weekends, or public holidays are paid by 11am the next business day.
Yes — but an unsuccessful DebiCheck collection can negatively affect your credit score. Contact us first so we can make the necessary adjustments.
Provide all information on the application, attach every supporting document, and improve your affordability — our DIY Debt Management Plan can help with the last one.
Not yet — we require 3 months' bank statements reflecting income from your current employer. In the meantime, our DIY plan can help free up monthly cash.