Instant cash loans for emergencies

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instant cash loans for emergencies
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Fast loans that put a quick end to any cash shortage

Whether it’s an urgent expense or an overdue bill, if you need an instant cash loan these are the lenders that can help.

Find the right lender based on loan amount and, most importantly, the speed at which they credit their approved loans.

Frequently Asked Questions

Instant loans to help you make it through

As the prices of everything goes up but salaries remain the same, more and more South African citizens are having to take out loans to be able to make it through the month.

There are hundreds of loan service providers that offer different deals with a range of different terms and conditions all there to help you out when you need a little bit of extra cash in a hurry.

An instant cash loan is one of many online loans that are very easy to obtain and the application process is fast and easy and can be done completely online. This saves you time and money as there is no need to visit the branch. The application process is done entirely online so that you have access to the service 24 hours a day, 7 days a week. 

Types of loans

These types of loans are usually granted for a smaller amount of money and need to be paid back relatively quickly. There are two types of instant cash loans, those being secured and unsecured loans. Unsecured loans are usually much quicker to obtain because you don’t need to provide any form of collateral, you do however have to have a good credit score. Some companies will still grant you an unsecured instant cash loan with a bad credit score but the terms and conditions are usually a lot stricter and the interest rate is a lot higher.  

A secured loan takes a lot longer because the collateral needs to first be valued and then you can ask to borrow a certain amount against it.

Instant cash loans are sometimes called payday loans because the amount that you borrow needs to be paid back by your next payday usually in a one lump sum payment. A debit order is set up for your convenience and to ensure that you don’t miss a payment.  The interest on this type of loan is a lot higher than conventional loans as they are much easier to obtain and the risk to the lender is a lot higher.

Apply online

The best part about instant cash loans is that you can apply online and the process is paperless. If you need to provide any supporting documentation you can easily upload the documents straight from the website. If a credit check needs to be done, you can consent to one easily by filling out the online loan application form and ticking the box that allows the lender to perform a credit check.   

Applying for an instant cash loan is secure the website takes every precaution to protect your personal information by using the latest technology and adhering to strict security measures.

The application process is very easy to complete and once your application has been approved the quick loan will be deposited directly into your bank account within a few minutes depending on your bank. The cash will be paid into your bank account within 24 hours at the most if your bank doesn’t give you instant access. This means that you can have the cash you so desperately need in a short amount of time. This time of loan is great if you have an emergency expense and you need quick cash in a hurry.

Payday loans

Instant cash loans need to be paid back immediately on your next payday if you can’t pay back the loan plus the interest and initiation fee you may be charged several penalty fees that could end up making your loan cost a lot more than you ever intended.

Quick loans are very easy to obtain, the problem comes when you need to pay them back, if you were already struggling to make ends meet and that’s why you took a loan in the first place, you might find it very difficult to pay back the entire loan amount in one payment.

This means that often people become dependent on such short-term loans and take out another loan to cover the cost trapping them in a vicious debt cycle. Credit companies take note of how often you apply for payday loans and this could negatively affect your credit record and credit score.

Everything is done online this means that you can easily compare different lenders and the offers that they have available. You can apply for a loan from a lender in Cape Town or Durban even if you live in Port Elizabeth, by not having to visit the branch in person you are not limited to just choosing a lender in your area and you can apply with any lender anywhere in South Africa.   

Spend the cash however you like

An instant cash loan can be spent on anything that you need it for, while some traditional personal loans can only be used for the purpose they were intended such as a car loan to purchase a vehicle or a home loan must be used for your home.

Although this is a great benefit this can also be dangerous because you could end up using the money for something else and then still need more money to pay the bill or the unforeseen expense. These types of loans should not be taken lightly and you should only apply for an instant cash loan if it is very necessary.


The requirements for an instant cash loan are very straightforward. You need to be a South African citizen and over the age of 18 and permanently employed.  If you have proof of a stable income you can usually be granted an instant cash loan even if you don’t have the best credit score as instant loans are not very different to loans for bad credit which also carry higher interest rates.

Once you have successfully obtained an instant cash loan and have paid back the full amount on your next payday. The next time that you apply for a loan, you will be able to borrow more money.

Once you have proven that you are not a high-risk client the lender will allow you to borrow more for a longer period of time and you will also improve your credit score by paying for your loan on time. By building up a good relationship with the lender you can ensure that when you need a personal loan in the future it will be easily assessable. 

Advantages of an instant loan include:

  • Apply online 24 hours a day, 7 days a week
  • There is no need to visit a branch
  • The application process is quick and easy
  • You can upload supporting documentation directly from the website
  • The system is paperless
  • Your personal information is safe and secure thanks to the latest technology
  • You are able to spend the cash on anything you want
  • The cash is paid directly into your banking account
  • The cash is available quickly
  • You can build up your credit score by paying on time
  • Borrow more as you establish you are not a high-risk client

Instant loans are great to pay for emergency expenses or for when you have the money for something but you don’t have access to it at the time. They are easy to obtain but can cause you to fall into debt if you don’t use them in the correct manner. If you're having trouble keeping up with you debt repayments perhaps it's time to consider debt consolidation or debt counselling.

Instant loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

List of direct lenders offering Instant loans

  1. Power Loans Instant loan

    Power Loans

    • Loans up to R8,000
    • Term up to 180 days
    • Interest from 36%
  2. Absolute Loans Instant loan

    Absolute Loans

    • Loans up to R40,000
    • Term up to 60 months
    • Interest from 28%
  3. Budget Cash Instant loan

    Budget Cash

    • Loans up to R3,000
    • Term up to 40 days
    • Interest from 28%
  4. Cobol Instant loan


    • Loans up to R3,000
    • Term up to 6 months
    • Interest from 124%
  5. Easy Payday Instant loan

    Easy Payday

    • Loans up to R2,500
    • Instant approval
    • Free to apply
  6. Wanna Loan Instant loan

    Wanna Loan

    • Loans up to R3,000
    • Term up to 37 days
    • Interest from 60%
  7. Boodle Instant loan


    • Loans up to R3,000
    • Term up to 35 days
    • Interest from 60%
  8. Lime 24 Instant loan

    Lime 24

    • Loans up to R5,400
    • Term up to 35 days
    • Interest
  9. Mulah Instant loan


    • Loans up to R4,000
    • Term up to 30 days
    • Interest from 60%
  10. Lulalend Instant loan


    • Loans up to R1,000,000
    • Term up to 12 months
    • Interest from 3%
  11. EC Loans Instant loan

    EC Loans

    • Loans up to R120,000
    • Term up to 84 month
    • Interest from 28%
  12. Easy Cash Loans Instant loan

    Easy Cash Loans

    • Fast loan approval
    • Term up to 3 months
    • Lower interest rates
  13. SA Cash Loans Instant loan

    SA Cash Loans

    • Loans up to R150,000
    • Term up to 60 months
    • Interest from 29%
  14. Finance Quotes Instant loan
  15. Kathlego Cash Loans Instant loan
  16. Picotifin Instant loan
  17. Loan Pickers Instant loan
  18. Loan Locator SA Instant loan