What we do
Payday Cash is a loan-matching and comparison service. Complete one application and we match you with National Credit Regulator (NCR)–registered credit providers most likely to approve your profile, ranked side by side so you can compare before you commit. We are not a lender: we never make credit decisions, hold your loan, or charge you anything.
How we make money — full transparency
When you take out a loan through one of our links, the lender pays us a marketing fee. That fee never increases the price of your loan: interest and fees are capped by the National Credit Act no matter how you reach the lender. Commercial partnerships can influence the order in which offers appear, and we disclose this on every results page.
Our promise to you
- NCR-registered lenders only. We do not work with unregistered credit providers, ever.
- No cost, no obligation. Comparing offers is free and you can walk away at any point.
- No credit score impact for matching. A credit check happens only when you apply with a lender you choose.
- POPIA-compliant data handling. Your information goes only to lenders you select — see our Privacy Policy.
- Responsible-lending first. Where borrowing isn't the answer, our content says so and points to debt counselling.
Our editorial standards
Every guide on this site is checked against the National Credit Act 34 of 2005, its fee regulations, and public NCR guidance. We show maximum legal costs rather than teaser rates, we date our pages, and we correct errors quickly — if you spot one, tell us at info@paydaycash.co.za. Content is general information, not financial advice.
Who this service is for
Working South Africans facing a short-term cash-flow gap: an emergency repair, a medical bill, school fees due before payday. Short-term credit is a tool for genuine emergencies — if you're borrowing to service other debt, please read about debt counselling first or call the NCR on 0860 627 627.
See how it works for yourself
One form. Multiple NCR-registered lenders. Zero cost.
Contact
General enquiries: info@paydaycash.co.za · Privacy requests: privacy@paydaycash.co.za · Or visit our contact page.