Get cash in youraccount in minutes
100% online personal loans for South Africans. No paperwork, no branch visits. Apply in under 10 minutes and get a decision instantly.
Join 15,000+ South Africans who trust Lendza
How it works
From application to cash in your account — four simple steps
Apply Online
Fill in a simple form in under 10 minutes. No paperwork, no branch visits needed. All you need is your SA ID and bank details.
Instant Decision
We verify your identity and assess affordability in seconds. Get an instant decision — no waiting around.
Sign Agreement
Review your loan terms and accept digitally with a one-time PIN. No physical signatures required.
Get Your Money
Funds are deposited directly into your bank account. Same-day payout for approved applications before 4pm.
Why choose Lendza?
Trusted by thousands of South Africans for fast, fair, and fully digital personal loans
100% Online
Apply from anywhere in South Africa. No branch visits, no queues. Everything is done from your phone or computer.
Instant Decisions
Know in minutes, not days. Our automated system processes your application and gives you a decision instantly.
Transparent Pricing
No hidden fees, no surprises. See exactly what you will pay before you commit. Our calculator shows the full cost upfront.
NCA Compliant
Registered credit provider regulated by the National Credit Regulator. All loans fully comply with the National Credit Act.
Data Protection
Your personal information is protected under POPIA. Bank-level 256-bit SSL encryption keeps your data safe.
Flexible Terms
Choose a repayment period from 1 to 6 months that suits your budget. Borrow from R500 to R8,000 with no early settlement fees.
Regulated & Compliant
Your money and data are protected by South Africa's strictest financial regulations
National Credit Act
Lendza is a registered credit provider with the National Credit Regulator. Every loan we issue is fully compliant with the NCA, ensuring fair and responsible lending.
Data Protection
We are fully compliant with the Protection of Personal Information Act. Your personal data is encrypted, stored securely, and never shared without your explicit consent.
Identity Verification
All customer identities are verified in accordance with the Financial Intelligence Centre Act. This protects you and prevents fraud on your account.
What our customers say
Thousands of South Africans trust Lendza for fast, fair loans
“I needed emergency cash for a car repair and Lendza came through. The whole process took less than 15 minutes and the money was in my account the same day. Truly impressive!”
“What I love about Lendza is the transparency. Before I signed anything, I could see exactly what I would pay back. No hidden fees, no nasty surprises. I have recommended them to all my friends.”
“I was skeptical about online loans, but Lendza changed my mind. Their process is simple and secure. I applied during my lunch break and had the funds before the end of the day.”
“As a single mother, I needed a loan I could trust. Lendza is NCA registered and their repayment terms are fair. The monthly service fee is clearly stated upfront. Very professional service.”
“Ek het al by ander plekke aansoek gedoen en nooit goedgekeur nie. Lendza het my binne 5 minute goedgekeur. Baie dankie vir die uitstekende diens! Highly recommended for anyone in a pinch.”
Frequently asked questions
Everything you need to know about our loans
New customers can borrow between R500 and R4,000 for up to 3 months. Returning customers with a good repayment history can borrow up to R8,000 for up to 6 months. Your limit increases as your trust rating grows with each successful repayment.
Most applications receive an instant decision within 2 minutes. In some cases, we may need to verify additional information which can take up to 24 hours. Once approved and your agreement is signed, funds are typically deposited the same day if completed before 4pm on business days.
You need a valid South African ID number, a bank account in your name, proof of income (3 months bank statements or latest payslip), and a working mobile number and email address. You must be at least 18 years old and employed or have a regular source of income.
We charge a monthly interest rate of up to 5% (60% per annum), a once-off initiation fee of up to 16.5% of the loan amount (capped at R1,207.50 as per the NCA), and a monthly service fee of R69. All fees are disclosed upfront before you sign. Use our calculator to see the exact cost for your loan amount and term.
Yes! You can repay your loan early at any time with no penalty fees. Early repayment will reduce the total interest you pay, saving you money. Simply make a payment into your loan account or contact us to arrange early settlement.
Contact us immediately if you are struggling to make payments. We will work with you to find a solution, which may include a payment arrangement. Missed payments may affect your credit score and additional fees may apply as per your loan agreement and the National Credit Act.
Still have questions? Contact our support team