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Apply for up to R4000 now, money available the same day!

* This gives Southern Finance permission to perform a credit check on me at the relevant credit bureau(s).



Total repayment:

Please note that these are only approximate figures. All rates are calculated on a daily basis as stipulated by the National Credit Regulator. Please request a quote from us to determine the actual repayment amount and instalment(s) should you wish to apply for a loan. Kindly take note that, should you elect to pay by means of debit order, there may be additional charges payable to a third party payment company, which does not form part of the credit agreement.

Sameday online payday loans

In need of a little extra cash, but payday is still some way off?

You may want to consider applying for one of our online PayDay Loans here at Southern Finance for a little extra help. At Southern Finance we offer quick and convenient solutions for any short-term financial issues you may have; from paying unexpected bills to home repairs, and any other emergencies that crop up in everyday life. You can borrow up to R6000 with our quick and easy online payday loans, or as little as R500.

Once your payday loan has been approved the funds will be deposited into your bank within 24 hours. We also offer immediate same day payment for a small fee.

We are accredited by the NCR (National Credit Regulator) which enables us to provide short-term loans to those who need them throughout South Africa. We are fully compliant and active.

We set up a debit order on your bank account once the loan has been approved and paid to you. When you receive your salary the repayment amount will be deducted from your bank account. You don’t need to worry about having to make any cash deposits, or arranging any other form of repayment to us here at Southern Finance. We arrange for everything to be done automatically.

Looking for payday loans without the fuss? Then look no further than Southern Finance. Let us help you to get in control of your finances today!

How it works

Choose the amount you need

Complete the application form

Get your money on the same day

Maximum APR

Our maximum annual percentage rate is 38%.

Repayment days:

We offer repayment periods from 61 to 65 days.


All payments are done via debit order.


When you renew a loan, it will be seen as a new loan and therefore the same interest and rates will apply as for the new loans.


Non-payment of your account will result in a R69 service fee and 5% interest added every month. If you fail to make payment for two months, your account will be handed over to an external debt collection company.

Not repaying your loan on time will decrease your credit rating and might make it difficult to qualify for finance at other credit providers in future.

Important Notice