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. 

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.