Borrow up to R 7,200
Money available today!

R 4,000
30 Days
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 short-term loans

At Southern Finance, we offer quick and convenient short-term loans. You can borrow up to R 7,200 with our fast and easy online short-term loans or as little as R 800.

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 R 7,200 today.

How it works

Choose your loan

Select your desired loan amount using the online loan calculator found on our homepage.

Tell us about yourself

Fill in the required form fields and upload necessary documents to get your loan approved!

Receive your cash!

Once approved, cash is typically paid to your bank account within 24 hours.


Maximum APR

Our maximum annual percentage rate is 30%.

Repayment days

We offer repayment periods from 61 to 65 days.


We offer convenient repayment options, including but not limited to debit orders.


Non-payment of your account will result in an R69 service fee and 5% interest added monthly. If you fail to pay for two months, your account will be handed over to an external debt collection company, resulting in additional costs for your account. 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.

Subsequent Loans

When you take out subsequent/new loans, the same interest rates and fees will apply to those new loans. We do not offer Credit Facilities or Revolving Facilities; each loan you take with us is a new, separate loan.