Rating based on 52 reviews

Budget Cash

  • Instant loans up to R3,000
  • Low-interest starting from 28%
  • Repayment up to 40 days

In-page navigation

Budget Cash homepage
Author Budget Cash. Screenshot of Budget Cash website.
[Accessed January 5, 2021]

Budget Cash - Quick loan solutions

Budget Cash & Cellular was first established in Nelspruit in 2002. Our company has continued to grow every year due to our customer service excellence and our ability to help desperate clients in their time of need.

We offer a wide variety of loans to suit whatever situation you find yourself in. If you have bad credit or a low credit score that you can apply for one of our bad credit loan options.

Our aim is to provide you with the cash you require without wasting your time or pushing you into debt. If you need a loan, then you have come to the right place. Our short-term loans allow you access to the cash you need without charging you an arm and leg in interest rates.

Keeping our clients protected and informed

The National Credit Act is there to protect South African citizens from unrepeatable dealers that are just out to make a quick buck at your expense. Our company is fully registered and we comply with all the terms and conditions set out in the act.

Another way that we keep you protected is that we perform a credit check. This is for your benefit as much as it is for ours. If you can easily afford to repay the loan then your application will be approved quickly. If you have bad credit or have not yet established a clear credit record as yet then you may need to re-apply for one of our instant loans.

Flexible loan options

The interest rate that we charge is highly competitive in the market and very fair for our clients.

Our personal loan terms are flexible and the amount that you will be required to pay each month is fixed so there won’t be any nasty surprises later down the road.

Lending made easy and convenient  

No one enjoys asking people to lend them money, this can be embarrassing and make you feel like you have failed financially but we want you to know that you are not alone.

M South African citizens apply for instant loans every day.

Fast online loan applications

You should apply for help if you need it even if you are blacklisted, have a low credit score or are struggling to make ends meet.

Applying for a loan online means that there is no need to visit a consultant in person and no need to complete hundreds of forms or supply mountains of paperwork.

In fact, applying for a loan will only take a few minutes and you will receive your outcome in an instant.

Budget Cash – Instant loan

  • Loan Type Instant loans
  • Interest Rate from 28%
  • Loan Amount up to R3,000
  • Repayment 5 days to 40 days

Benefits of Budget Cash

  • Instant Cash Loans
  • Debt Consolidation
  • Bad Credit Loans

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.

Budget Cash - Loans that fit your budget

When you apply for a loan it is advisable that you only apply for as much as you can comfortably afford to repay. There is no point of applying for an instant loan if when the time comes to repay the loan you need to rely on another loan to pay the original amount.

Our payday loans allow you to borrow between R500 and up to R3000 depending on how much money you earn. You will be given up to 31 days to repay your loan. The amount that you need to repay will be deducted directly from your account on your next payday.

Payday loans and instant cash loans

When you are applying for one of our loans it is important to apply for the loan that best suits your requirements. To know which loan would be in your best interest you need to know the difference between the loan options. Cash loans are different from payday loans. The main difference is the amount of time you are given to repay your loan.

A cash loan allows clients to determine how long they need in order to repay their loan, while a payday loan needs to be repaid by the next time money is paid into the client's account, or by their next salary date.

A cash loan will allow you to borrow more money and has flexible repayment terms while your payday loan amount will be determined by how much money you earn and your level of affordability.

Weigh your options before you decide 

Many people are not able to repay their entire loan in one payment by their next salary date, this can cause them to fall into a debt trap and need to rely on additional loans to make ends meet.

A fast cash loan will allow you to pay your loan back in manageable instalments that can be spaced over a few months. This will allow you to budget more efficiently and not put so much pressure on you to pay back the entire amount at once.

Are you drowning in debt?

If you have made poor financial decisions in the past and now your debt is making you feel like you are drowning and you need a life raft to rescue you, you should consider applying for a debt consolidation loan.

This type of loan will allow you to repay all of your existing debt at a lower settlement fee. This will mean that you only need to repay one monthly fee at a lower rate than try to juggle many different bills and accounts.

Customer Reviews & Testimonials

April 2019

Budget Cash will always ensure that you get a loan that will prove to be easier for you to pay off on a monthly basis.

Caroline J
— Potchefstroom —

September 2018

After applying for a loan at Budget Cash, I was happy with the terms and conditions I would have to adhere to.

Seth M
— Durban —

February 2019

I would recommend the credit services of Budget Cash if you are looking for an affordable loan.

Petronella A
— Cape Town —

December 2018

Applying for a Budget Cash loan took me only ten minutes to complete.

Jacques V
— Sasolburg —

July 2018

Without the help I got from Budget Cash, I would still be trying to figure out how I am going to solve my financial predicament. Thank you so much for assisting me in the last minute.

Viola G
— Port Elizabeth —

Budget Cash Contact

Physical Address

Postal Address

  • P.O Box 8280, Nelspruit, 1200, South Africa

Opening Hours

  • Monday 08:00 – 16:00
  • Tuesday 08:00 – 16:00
  • Wednesday 08:00 – 16:00
  • Thursday 08:00 – 16:00
  • Friday 08:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed