Rating based on 79 reviews

Budget Cash

  • Payday loans up to R3,000
  • Apply in 30 seconds
  • Repayment up to 40 days

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Author Budget Cash. Screenshot of Budget Cash website.
[Accessed May 13, 2018]

Budget Cash - Reliable payday loans

Budget Cash has been offering reliable loans to consumers since 2002. Originating in Nelspruit, but since have grown to service other areas of the province.

We offer cash loans, blacklisted loans, and personal loans for bad credit. Among those options, we also offer a number of alternative services that involve the lending of cash.

Core objectives

Our core objective is to enable funds in the form of short-term loans to be accessible to people as quickly and conveniently as possible. This will ensure that they have an effective solution to their financial problems.

Fast loan turnaround times

Our fast turnaround of payday loans is designed to assist you out when unforeseen emergencies land on your way. At present, we are stationed around the country offering a variety of loans to consumers who visit us in 8 branches. You can rely on our loans and trust in their security.

As for where your interests are concerned, we take pride in our care and attention to detail when entering into a loan agreement with you. The last thing we wish upon you to experience is a financial predicament that you feel you can’t find your way out of. That is why we strive to offer short-term loans only, as we don’t want you to become dependent on loans in a way to get through life.

We are committed to strictly abiding by the rules laid out by the law, and we adhere to the guidelines set by the National Credit Act. Our company is registered as a credit provider and we make sure to comply with the standards that govern and control this industry.

We provide financial help in emergencies

We offer payday loans to consumers who need financial help in an emergency situation, where funds are needed immediately, in a responsible and caring manner.

We aim to protect and be protected

In order to protect ourselves and hence reduce the risk involved with the loaning of money, we perform credit checks on all our clients before approving a payday loan in South Africa. This does not mean that blacklisted individuals aren’t able to apply, as we have a number of choices to assist our bad credit applicants.

We aim to protect those who are finding it tough to repay their debt by limiting the amount of debt they take on. Our interest rate fees are prescribed by the law, meaning that you won’t be under pressure to pay more than you can reasonably afford over a reasonable period.

We have no hidden costs or surprises hiding in the fine print. Budget cash loans ensure that the amount that we agree upon, is the amount that you will pay. We work hard to ensure that we find a solution that will work for you and your wallet.

Applications are simple

We understand that this is a stressful situation to be in when it comes to finances it seldom isn’t. That is why we made sure that applying for a loan with us was as straightforward and easy as pie.

We only require a minimum amount of paperwork and our online loan application process is designed to speed up the process. We always advise our clients to only borrow amounts that they can afford to repay, otherwise, you have just landed yourself in even more debt, and it's not what we’re about. The last thing that you need is more debt.

Budget Cash – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to R3,000
  • Repayment 5 days to 40 days

Benefits of Budget Cash

  • Payday loans up to R3,000
  • Repayment terms up to 40 days

Payday 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 - Quick payday loans

We ensure that you get a quick loan when you need it the most!

Honestly, we wish that no one had to find themselves in a position where they’re struggling with financial commitments. It’s not ideal to be stuck without a resource, either when the time comes that you have to fork out extra cash.

Financial security

Financial security isn’t as easily accessible to one person as it is to the next. In fact, most people depend on their monthly income when it comes to emergencies, but how often do we have enough pennies to rub together after all our expenses are paid? We aim to relieve this stressful question by offering personal loans to those who need it.

So, what are payday loans

It’s a form of a short-term loan, except with a shorter repayment period and repayment is required by the next payday. We agree upon an interest rate that suits both us and yourself and that aligns with the repayment term. Your payday loan can be used for whatever reason you need it, but you can be sure that the loan will offer you the relief you require.

When you take out a loan, there is one crucial rule to consider, and that is that you only take on as much as you can afford to pay back. Fast loans are highly convenient, but you need to understand what you’re getting into.

Taking out a loan only when absolutely have no other way to access funds on your own, can save you from landing in further financial difficulty. Don’t be reckless with your loan, ensure you can afford it!

How do I know if I’ve been responsible for my amount

As soon as you have gone through the pros and cons and determined that you are in a financial position to take out a quick loan, you can save yourself a lot of money. First, ask yourself if the loan is truly necessary, then inquire about the interest rates that you’ll have to pay on the loan, and lastly mull over the real-life scenario of monthly affordability hand in hand with your budget.

Payday loans are available to individuals with bad credit in their name, so there’s no need to sign if you’re in this boat, we’re here to assist you. These days’ creditors are aware of bad credit scores have not necessarily always been your fault, and perhaps the fault of the creditor who loaned you the money in the first place.

Fast cash loans and from payday loans

Payday loans will require you to pay back the amount on your next payday while the instant cash loan will give you a little bit more time to pay it back.

Customer Reviews & Testimonials

December 2018

I was worried that I wasn’t going to be able to secure a payday loan with my bad credit, but Budget Cash came through for me and offered me the loan. Thank you so much for being there for me duri...

Amanda D
— Port Elizabeth —

January 2019

I applied for my loan during my lunch break, which goes to show how Budget Cash makes their services so convenient for everyone.

Joe P
— Durban —

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