Short term loans

For those unexpected expenses

We’ve got you covered.

Loan Calculator






Easy To Use

How it works

If this is your first time using our services, you will need to register a new account above. Registration is free. Please note that you will only be required to register once, thereafter your details will be stored on our database. Been here before? Simply log in.
Once you are logged in, the Apply Here option will appear in the main menu. Simply complete an application and submit. It’s as easy as that… 
Not tech savvy or want to do things old school? Click here to download our manual application form. Complete all the fields, sign and e-mail to us at together with the supporting documents.

To apply, you must be:

  • Over the age of 18
  • A South African citizen
  • Employed with a minimum salary of R3 000
  • In possession of a South African ID document or Smart Card
  • Able to provide valid bank account details into which the money will be deposited

Frequently Asked Questions

If this is your first time using our services, you will need to register a new account here. Registration is free.

Please note that you will only be required to register once, thereafter your details are stored on our database. Been here before? Simply log in.

We show you all the fees up front before you can apply so you always know what you’re getting yourself into. Our fee structure is as follows:

  • An initiation fee of 15% for the amount you require
  • Interest charged at a flat rate of 0.5% per day
  • A service fee of R60 per month for as long as you have a balance owing

You can use our DIY calculator above to work out the fees and installments for your chosen amount and term.

  • Your ID
  • Three months’ bank statement (this will serve as your proof of residence and your proof of banking details of the account into which the money will be deposited into)

Once you’ve completed all your details and uploaded the required documents, we will assess your application. We will also perform a credit check which you consent to when you accept our T’s and C’s (available here). If your application is approved, we notify you and payment is made directly into your bank account via an EFT. The time it takes for the funds to reflect in your account solely depends on who you bank with.

Should you require an immediate payment, please note that an additional service fee of R50 will apply. Please tick this option when making your application.

We endeavor to get to your application as soon as humanly possible. We will inform you if there are any delays.

We will debit your account for the outstanding amount on your chosen debit day. Please note that there may be penalty fees if the debit order does not go through. Kindly always ensure that there are sufficient funds in your account to avoid any late charges. 

Of course, you can! Just request us to provide you with settlement figures and you may attend to payment accordingly. Please note that the exact amount owing needs to be paid as per the figures that will be provided to you.

Kindly always advise us once you make any repayments and forward to us proof of payment so that we may adjust your total accordingly. Please refrain from making payment in more than two installments. 

Always use the reference we provide to you when attending to payment.

We understand that no matter how hard you try, sometimes things don’t go as planned. We’re not here to make your life harder. On the contrary, this business was started with the purpose of lending a helping hand when you need it most.

Should you experience difficulties in keeping up with your repayment/s, speak to us. We cannot emphasize this enough.  We will try and contact you to resolve the issue, however, if you avoid us or ignore your payment, we will have no choice but to hand you over to the collections department who will be less than accommodating. Further, this will impact negatively on your credit score, affecting your rating with other credit providers and potential lenders.

We provide credit to consumers who have a healthy track record to protect the interest of all involved. We will not approve your loan if your credit score does not meet the specific criteria. We act in your best interest, as we do not want you to get in over your head, nor do we want to be the cause of your further debt if you are struggling severely. You may visit for more information on managing your credit.

Please note that there is an option for you to recover either your username or password or both should you forget same. Just follow the prompts in the log in page.

Some file formats are not supported so we encourage you to apply online and rather e-mail your documents through to us at or what’s app it to us on 084 643 1170. You may also complete a manual application here.

We urge you to always keep your username and password safe. Please do not disclose same to anyone. Flash Loans (Pty) Ltd cannot be held responsible for unauthorised use of your account by a third party.

AS EASY AS 1, 2, 3

1. Register
2. Log in
3. Apply

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