How It Works

At XS Finance, getting a loan is quick
and hassle-free. With our simple online
process, you can apply in minutes and
get approved fast. Just follow these 4
easy steps to get started.

APPLY NOW

At XS Finance, our short-term loan process is designed to be fast, simple, and hassle-free. Our online calculator helps you understand your borrowing needs and select the ideal repayment plan.

Applying is easy—in just a few clicks, you can borrow up to R6,000 and choose a flexible repayment schedule that works for you.

Whether you're bridging the gap between paydays or facing an unexpected expense, XS Finance is here to help.

Loan process illustration

At XS Finance, we understand that unexpected expenses can arise at any time. That's why we provide reliable, same-day short-term loans across South Africa. Whether you're dealing with an emergency or need to stretch your budget between paydays, we're here to help.

  • Enjoy an annual maximum interest rate of just 36%.
  • Choose flexible repayment periods of 1 to 3 months.
  • Fast payouts - once your loan is approved, your funds can be deposited into your account the same day.
  • Make repayments easily with our secure DebiCheck options.

Please note: Missing a payment may result in additional charges. Borrow responsibly.

1

% Maximum APR

Our maximum annual percentage rate is 36%

2

Repayment Days

We offer repayment periods from 1 to 3 months.

3

Collection

All payments are made via debit order.

4

Subsequent Loans

Each new loan you take will have the same interest rates and fees. We do not offer credit or revolving facilities; every loan is separate.

5

Non Payment

Missed payments incur fees and interest, may lead to debt collection, and can harm your credit rating.

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