FAQ

Got questions? XS Finance makes borrowing easy and stress-free. Find quick answers about applications, repayments, and more. Need help? Our team is here for you!

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XS Finance is a South African short-term loan provider offering fast, simple, and paperless credit solutions from R500 to R6000, with repayment terms of 1 to 3 months.
The application is 100% online. Just visit www.xsfinance.co.za, fill out the short application form, and upload the required details. Approval and payout can happen the same day.
No. XS Finance does not charge any upfront fees. Be cautious of scammers pretending to be us and asking for upfront payments.

Repayment terms range from 1 to 3 months, and you can choose what suits your budget best during application.

Yes! You can settle your loan early without penalties, and we encourage responsible borrowing.

Yes. We value your privacy and use advanced security measures to protect your personal data. See our Privacy Policy for details.

To qualify for a loan with XS Finance, you must:

  • Be at least 18 years old
  • Be a South African citizen or permanent resident
  • Have a valid South African ID
  • Be employed or have a regular income
  • Have a South African bank account

None! Our process is paperless. However, we may require the following during verification:

  • Recent payslip of proof of income
  • 3-month bank statement (PDF or online access)

You can borrow between R500 and R6000, depending on your affordability and credit profile.

Once your loan is approved, the funds are paid directly into your bank account—usually on the same day.

Late or missed payments may attract penalty fees and negatively affect your credit record. Please contact us as soon as possible if you’re unable to meet your instalment.

You can reach us via:


Email: vasb@kfsvanapr.pb.mn
Call: 031 210 0070
Website: www.xsfinance.co.za