Rating based on 1,521 reviews

Budget Cash

image of Budget Cash
image of Budget Cash

Budget Cash is a registered credit provider with South Africa’s National Credit Regulator: NCRCP471

About – Budget Cash

Budget cash loans were established in 2002 in Nelspruit and have since granted loans to hundreds of satisfied clients. As the business grows, we expand further to new provinces.

Thanks to technology we can reach our clients that are even further away from the power of the internet. Even if your credit score is less than desirable and you are blacklisted, we might still be able to help you secure a bad credit loan.

Short term loans

We offer short-term loans to our clients that need cash in a hurry, our loans are perfect for when there is an emergency and you need cash in a hurry.

We have 8 branches around the low veld so if you want to see a consultant, so feel free to visit one of our branches. All our loans are reliable and secure, your information will be treated as confidential.

Credit check  

To ensure that you do not take a loan that you cannot afford to pay back, we will run a credit check to see how much you would be able to spend on repaying a loan.

Even if your credit score is bad, we may still be able to assist you with obtaining financing. We want to make sure that you do not come dependent on taking payday loans and that the loan is used to help your financial situation and not drive you into debt.

You are protected

We follow all rules and regulations set out by the National Credit Act. You will only be charged an interest rate that is suggested by the NCA and doesn't charge in excess of a certain amount.

Easy to apply 

It’s so easy to apply for a personal loan. Simply visit one of our branches and speak to one of our friendly consultants or visit our website and fill in the online application form.

We have easy to use online calculators that you can slide up and down to see how much you want to borrow and how long you would need to pay it back. This will give you a basic idea of how much you can comfortably borrow. 

Services – Budget Cash

Budget cash loans are the loan provider to turn to when you need a short-term loan in a hurry. We also offer fast cash loans, Payday loans, consolidation loans, home loans, bridge loans and blacklisted loans.

Blacklisted loans

Most lenders view people that are blacklisted as very high-risk clients and will very seldom grant them a loan as they fear that the loan will not be paid back and they will lose their money.

We understand that life is sometimes difficult and when you need help because of your bad credit score you can’t get a loan when you need it most. We offer loans for bad credit to clients that are blacklisted and tailor-made payment term to suit their financial situation.

Payday loans

Another type of short-term loan option is our Payday loan. This is a loan that is usually granted on the same day as it’s applied for. Choose to borrow as little as R500 to as much as R3 000. These loans are approved quickly and very easy to obtain.

The only problem with these types of loans is that the entire amount that you borrowed needs to be paid back in one payment on your next payday.

To make a payment in instalments is normally much easier on your pocket than to have to pay the entire amount off at once.

These loans can become a debt trap as you need to take another one to make up the money you paid back in the first place and so the cycle continues.

Same day payment

As soon as your online loan application form has been approved, the money will be paid directly into your account on the same day that you applied. This makes our service great for emergencies and very convenient. 

No credit check for payday loans

As a payday loan needs to be approved very quickly we don’t run a credit check. We will only confirm that you are still permanently employed and earning a salary in order for you to be granted the payday loan.

Interest Rate

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Summary of Services

  • SHORT TERM Loans

Budget Cash - Affordable loans

If you are unable to pay back the loan due to unforeseen circumstances then please contact us so that we can assist you.

Call us on 013 758 5855 or send us an e-mail at loans@budgetcash.co.za and we will help you make short term loan arrangements that you will be able to manage.

Can I apply for a loan if I am under debt review?

If you are under debt review, debt counselling, debt administration or if you have been sequestrated you will unfortunately not be able to qualify for any of our loans, products or services.

Home loans

Another type of loans that we offer our client is home loans.  Buying your own property is very exciting and very expensive if you need a loan to secure the new home you have come to the right place.

It’s very simple to apply, to find out more information, please visit our webpage and check out our guides that will assist you in making the correct decision for your financial future. 

Customer Reviews & Testimonials

August 2018

Even with a poor credit record my application was considered. Previously other lenders were too afraid to lend to me because I was considered a credit risk. Budget Cash assured me that they are d...

Pieter V
— Nelspruit —

October 2018

I am more the type of person who enjoys consulting about my finances face-to-face which is why Budget Cash is perfect for me. I went and sat inside their offices, had a good chat with their emplo...

Danielle M
— Secunda —

February 2019

Budget does not restrict you according to what their loans can be used for which is wonderful! I used the money that I applied for to complete the building of my new garage, retile the kitchen an...

David M
— Nelspruit —

 Contact Details

38 Nel St, Nelspruit, Mpumalanga, 1200, South Africa
Ph: 013 752 5855
Fx: 086 647 0038
Em: loans@budgetcash.co.za
Em: info@budgetcash.co.za

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 –