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Apply for a short-term loan of up to R8,000 now, with 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 short-term loans

At Southern Finance, we offer quick and convenient short-term loans. You can borrow up to R8000 with our fast and easy online short-term loans or as little as R500.

Once your short-term 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 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. When you receive your salary, the repayment amount will be deducted from your bank account. We arrange for everything to be done automatically.

Look no further than Southern Finance. Apply for a short-term loan of up to R8,000 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 30%.

Repayment days:

We offer repayment periods from 61 to 65 days.


All payments are made via debit order.


Renewing a loan will be seen as a new loan; therefore, the same interest and rates will apply to the new loans.


Non-payment of your account will result in an R69 service fee and 5% interest added monthly. 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 challenging to qualify for finance at other credit providers in the future.