Loan options & disclosure
Borrow from R200 to R10,000 over 1, 2, or 3 months. All rates are NCA-capped and disclosed in writing.
Three terms. One simple choice.
1-Month Term
Settle in a single payment. Lowest total cost of credit.
2-Month Term
Split the repayment across two instalments.
3-Month Term
The most flexible option, spread across three instalments.
What you can use the funds for
A Pfukani loan is yours to use but most of our customers use it for short-term, essential needs. We cannot lend for illegal activity or to fund gambling.
Groceries, rent, utilities, or rent shortfalls.
Medical, transport, or an unexpected bill.
School fees, uniforms, textbooks, or transport.
Stock, materials, or a short-term cash-flow gap.
Who can apply
To qualify for a Pfukani Cash Loan, you need:
With a valid South African ID (green barcoded or smart card).
Verifiable via payslip or 3 months of bank deposits.
Official PDF statements showing continuous income.
No active debt review or unresolved judgements.
Worked repayment examples
The exact figures are confirmed in your written quotation, but here is how the total cost of credit typically compares across terms. All amounts are illustrative and subject to NCA caps.
| Borrowed | Term | Approx. monthly | Est. total repayable |
|---|---|---|---|
| R2,000 | 1 month | Single payment | Quotation on request |
| R2,000 | 2 months | Two instalments | Quotation on request |
| R2,000 | 3 months | Three instalments | Quotation on request |
| R10,000 | 1–3 months | Varies by term | Quotation on request |
We do not publish fixed instalment amounts because interest and fees depend on your individual affordability assessment and term. Use the WhatsApp quote request button to see your exact figures - no obligation.
What we charge and what we don't
What we charge (all NCA-approved)
- •Interest, capped in terms of the NCA formula
- •A once-off initiation fee, within the NCA limit
- •A monthly service fee, within the NCA limit
- •Credit insurance, only if you choose to take it
What we never charge
- •An "application fee" before you are approved
- •A "document processing" or "admin" fee
- •Any penalty for settling early (NCA §125)
- •Interest or fees above the NCA caps ever
Statutory Rate Disclosure
Interest rates and applicable fees will be disclosed in your personalised quotation before you enter into a credit agreement. Pfukani Cash Loans does not charge unapproved upfront processing fees. All terms are subject to formal verification and credit review, and no loan will be granted without a completed affordability assessment in terms of the National Credit Act.
Quick answers
Yes. Under section 125 of the NCA you may settle your loan in full at any time, and interest is recalculated to the settlement date. No penalty is charged for early settlement.
First-time borrowers typically start between R200 and R3,000. Amounts increase as we see consistent repayments. The maximum is R10,000.
No. We never ask you to surrender your ID, bank card, or any document as security. Every loan is unsecured and based purely on affordability.
Once your documents are verified and your agreement is signed, funds are transferred via EFT typically the same business day or the next working day.