OUR LOANS

Short-Term Personal Loans From R500 To R3,000

Practical, short-term financial solutions for working South Africans. Enquire about the amount you need — every application is assessed on its own merits and subject to affordability.

LOAN AMOUNTS

Choose The Amount Closest To Your Needs

Our short-term personal loan offering ranges from R500 to R3,000. You are welcome to enquire about the amount you require — we will confirm what is possible based on affordability and our lending criteria.

R500

Our smallest short-term loan — suited to small, urgent expenses.

R1,000

Everyday essentials, small repairs and family commitments.

R1,500

School costs, transport or a medical expense.

R2,000

Larger household commitments and planned short-term needs.

R2,500

When your short-term need requires a little more room.

R3,000

The maximum short-term loan we currently consider.

All applications are subject to affordability assessments, applicable lending criteria and approval. Sibuse Capital does not promise or advertise guaranteed approval or guaranteed payouts.

WHERE IT HELPS

What A Sibuse Loan Can Help With

Unexpected household emergencies
A burst geyser, a broken appliance or an urgent repair.

Medical and family expenses
Support when a family need cannot wait until month end.

Transport, school and education costs
Travel, school fees, uniforms and study materials.

Short-term cash flow gaps
A small bridge before your next salary payment.

TRANSPARENCY

COSTS, INTEREST AND REPAYMENTS

Interest: our current interest rate is 30%. The exact interest, fees and total cost of credit for your specific loan will be set out in your quotation and credit agreement before you accept any offer.

Repayment options: repay in full on your next salary date in the same month, or split the repayment over 2 or 3 months, subject to the loan products available and approval.

Early settlement: early settlement can be arranged within the first month.

Your agreement: if approved, you receive a loan offer setting out the applicable interest, fees, repayment amount and repayment date. Funds are only disbursed once the agreement is accepted and all requirements are met.

Enquire About The Amount You Need

Complete a short online enquiry and our team will assess your application. Alternatively, message us on WhatsApp and we will guide you through the process.