Rating based on 56 reviews


  • Easy online application
  • Low interest rates
  • Flexible loan terms

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SpotCash homepage
Author SpotCash. Screenshot of SpotCash website.
[Accessed May 13, 2018]

Spot Cash - Simple fast financial solutions

At Spot cash, we give simple fast solutions to financial troubles.

Over the years we have gained experience in the financial industry and we use this experience to give u a seamless loan application and services.

When you need money instantly you do not have time to stand in queues and fill in endless paperwork. At Spot Cash, we comprehend this and we strive to supply our clients with quick loans.

Microfinance made easy

Our company has over 20 years of experience in the financial industry. We offer flexible and affordable quick loans to clients who need them.

We understand your financial circumstances and we guarantee you superior products and up-to-date instant loans. We strive to meet the criteria set by our clients. Whatever you need a loan for, we have the loan option to cover it.

Find a loan service

Whatever your credit score is we can find a loan to help you reach your financial goals. We welcome applications from clients with bad credit scores. When you get shown away from South African banks and other lenders turn to Spot Cash for fast and effective loan solutions.

Visit our online platform and fill in the quick application form. You can choose the loan amount that you need and the repayment terms, it's that easy. Let Spot Cash help you get your financial freedom back.

Quick and easy loan applications

At Spot Cash we understand that when your budget doesn't allow for any unexpected payments it can leave you feeling helpless.

If you don’t know who to turn to, turn to Spot Cash for effective relief from financial strain. For over 2 decades, we have helped clients get a fast loan when they need it fast. Our loans are hassle-free and user-friendly.

Fast loan applications

Our application process is clear, easy to understand, and can be done in under a minute. We are always looking for better ways to help you obtain a loan faster, and at the moment we boast the fastest loan turnaround time in the financial industry.

Our short-term loans are affordable and our interest rates are hard to beat. Join countless satisfied South Africans and get a quick cash loan through Spot cash today.

Qualifying criteria for loan applications

In order to qualify for a bad credit loan with us, you must be at least 18 years old with a permanent job that gives you a fixed monthly salary. Your qualified loan amount will depend on the affordability assessment that we do.

We look at how much money you have left at the end of each month after your expenses have been subtracted. We want to make sure that you can afford the loan. We want to see you move forward in life and with a personal loan from us you can certainly do so. 

SpotCash – Quick loan

  • Loan Type Quick loans

Benefits of SpotCash

  • QUICK Cash Loans

Quick 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.

Spot Cash – The fastest loans you can find

Once you have been approved for a loan we will finalize the repayment contract and pay the loan amount into your bank account instantly.

You don’t have to wait for hours to hear if your loan has been approved, you will have an answer on your online loan application within minutes.

Payday loans

A payday loan is very popular and carries very little interest due to a shorter repayment term. It's an advance on your salary until the next time you get paid.

With a payday loan, you can stretch your budget and achieve better cash flow management. These loans usually carry 30-day repayment terms meaning you will repay the loan amount the next time you get paid.

Benefits of a Spot Cash Loan

  • Fast and easy quick loan applications
  • Various loan options to choose from
  • Choose your loan amount and repayment term
  • Loan approvals take only a few minutes
  • Your money will be paid into your account on the same day

Apply for a loan at Spot Cash if you need money fast and there's no time to wait. We will get you approved quickly and paid out in the same day.

man holding thumbs up

SpotCash is a trusted & reliable provider of quick loans

In our review, SpotCash adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

SpotCash is a registered credit provider in South Africa: NCRCP6510

Customer Reviews & Testimonials

December 2018

I approached time for fast loan and got things sorted in less than a week. It was impressive!

Gary H
— Pretoria —

June 2018

I got rid of a lot of financial strain, thanks to SpotCash. I got my loan instantaneously.

Amelia L
— Johannesburg —

April 2018

They allow you to chose your own repayment term. This worked extremely well for me, as I was able to decide the term by looking at my means.

Samukelo T
— East London —

SpotCash Contact

Contact Number


  • not available


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Physical Address

  • Entrance A / Queenspark Studio, 16-24 Queenspark Avenue, Salt River Cape Town Western Cape 7925 South Africa
  • Get Directions

Postal Address

  • PO Box 1065, Woodstock, Cape Town, 7915, South Africa

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 16:00
  • Saturday – Closed
  • Sunday – Closed