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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Budget Cash homepage
Author Budget Cash. Screenshot of Budget Cash website.
[Accessed January 31, 2023]

Budget Cash - Reliable payday loans

If you're waiting for payday but you need money now, Budget Cash offers reliable payday loan solutions to get you through the month.

They originated in Nelspruit in 2002 and have grown to service other areas of the province, helping thousands of South Africans with affordable loans.

Registered and responsible

They're committed to strictly abiding by the rules laid out by the law, and they adhere to the guidelines set by the National Credit Act. Their company is registered as a credit provider and they make sure to comply with the standards that govern and control the financial industry.

Therefore, approving a loan you can’t afford, will never happen with them. They'll carefully consider your affordability and will then see how they can make an affordable payday loan possible for you.

Fast loan turnaround times

With 8 branches in the country and a fast and well-organised online system, you can get what you need in record time. Budget Cash is a trusted company that considers keeping your details safe very seriously, so when unexpected emergencies show up you can trust them to deliver a quick, efficient and trustworthy solution to you.

They understand that you might be in need of an immediate solution, hence why they work hard to bring you responsible loan solutions in a swift and caring manner.

They provide financial help in emergencies

Fast loans are highly convenient and you can borrow up to R3 000 and repay it over 40 days.

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.

With them, you can access not only payday loans but also cash loans, blacklisted loans, and much more.

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 they have enough pennies to rub together after all their expenses are paid? Budget Cash aims to relieve this stressful question by offering payday loans.

Worried about your credit score

Even though they perform credit checks on all their clients before approving a payday loan, it does not mean that blacklisted individuals aren’t able to apply. They have a number of choices to assist bad credit applicants.

Their 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. With them, you’ll have no hidden costs or surprises and they'll ensure that they find you a solution that'll work for you and your wallet.

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 payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Budget Cash - Quick payday loans

They’ve designed an application process to be as easy, fast, and simple as possible.

Only a minimum amount of paperwork is required and everything can be done online or at one of their branches.

Here’s how you can apply

Step 1:

By simply disclosing your financial income, expenses, and ID number, they'll be able to assist you with a quick quote.

Step 2:

They'll verify and assess your information by performing a credit check to process your approval.

Step 3:

To finalise your loan you can agree to their terms and receive the money shortly after.


  • You’ll need to be employed.
  • Have an SA ID.
  • Be of legal age.
  • Be able to afford the loan repayments.

Their core objectives

Get an effective solution to your financial problems with them as their core objective is to enable funds in the form of short-term loans to be accessible to you as quickly and conveniently as possible.

Applying is easy and you can have the money you need before the end of today.

Benefits of a payday loan from Budget Cash

  • Quick accessibility to cash
  • Service that's on point
  • A variety of solutions
  • Responsible and reliable lender
  • Fast and accurate loan assessments
  • A team of experts that cares about your financial well-being
  • User-friendly system and online platform to fast-track your application process
  • Small unsecured loans at a very low cost

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 —

June 2021

They have a very simple process in place and I got everything I needed in a few minutes.

Molakwe M
— Newcastle —

October 2021

I was in a bit of a sticky situation and no one I know was able or willing to lend me money, but Budget Cash came to my rescue.

Russ B
— King William’s Town —

November 2021

Great prices, great people, and great solutions. Love this company!

Beyers S
— Paarl —

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