Online loans in South Africa, paid in minutes
Get your loan in just 10 minutes.
Checking your offer won't affect your credit score.
- No paperwork
- No collateral
- No branch visits
- Decision in minutes
- POPIA-protected
- Settle early, pay less
- Approve via DebiCheck
Borrowing that respects your time
Fast, start to finish
A short form, an instant decision and a payout straight after you sign. No waiting days for a callback.
Your data stays yours
Encrypted end to end and used only to assess your application, as required by POPIA. We never sell your information.
Better terms over time
Repay on time and your next loan can be bigger, with a lower rate.
No hidden costs
Every rand you'll repay is on the agreement before you sign. Settle early and you only pay for the days you used.
Four steps, all from your phone
- 01
Choose an amount
Pick how much you need with the slider and tap apply.
- 02
Tell us about you
Verify your phone, enter your ID and income, and share your bank statements online.
- 03
Get your offer
We assess the application in minutes and show you the exact amount, fees and due date.
- 04
Sign and receive
Sign the agreement electronically and the money is sent to your bank account.
What people say about us
“Applied on my lunch break and the money was in my account before I got back to my desk. No calls, no paperwork.”
Thabo M.Johannesburg“I liked that I saw exactly what I would repay before signing. Settled early and paid less — just like they promised.”
Lerato V.Pretoria“Sharing my bank statements online took a minute. Much easier than queueing at the bank for a printout.”
“Second loan was bigger and cheaper than the first. Support answered on WhatsApp within minutes when I had a question.”
Nomsa K.Cape Town
What you need to apply
If you tick these boxes, you can apply right now. It takes about as long as making a cup of coffee.
- 18 years or olderSouth African citizen with a valid green ID book or smart ID card.
- A regular incomeSalary or wages paid into your bank account every month.
- Your own bank accountAn active account in your name, where we'll pay out the loan.
- 3 months of statementsShared securely online during the application — no scanning.
- A cellphone numberFor your one-time PIN and updates about your loan.
Repay on autopilot with DebiCheck
Your repayment is collected by a DebiCheck debit order on the date you choose. You approve the mandate in your own banking app, so nothing ever leaves your account without your confirmation.
Pay early, pay less. Settle at any time and interest stops on that day.
Need more time? Contact us before your due date and we'll look at extending your loan.
Prefer EFT? You can always pay manually using the reference on your agreement.
South African citizens aged 18 or older with a valid SA ID, a bank account in their own name and a regular monthly income.
The application takes about 5 minutes. Once approved and signed, the money is usually in your account within minutes, depending on your bank.
Your SA ID number and your last three months of bank statements. Most banks let you share statements online during the application, so there is nothing to scan.
Repayment is collected by DebiCheck debit order on the date you agree to. You approve the mandate in your own banking app, so nothing is taken without your confirmation.
Yes. You can settle your loan early at any time and only pay for the days you actually used the money.
Protect yourself from fraud
We will never ask you to pay an upfront fee to get a loan, and we never ask for your banking PIN or password. Only trust messages from our official number and the tillycredit.co.za domain. Suspect something? Write to fraud@tillycredit.co.za.
Ready when you are.
Check your offer in minutes — it won't affect your credit score.
Apply for R 2 500