Terms of Use

Last updated: 8 September 2026

By using PaydayCash.co.za (the "Website"), you agree to these Terms of Use. If you do not agree, please do not use the Website.

1. Nature of Our Service

PaydayCash.co.za is a free loan-matching and comparison service. We are not a credit provider, financial adviser or agent of any lender. We do not make credit decisions, set loan terms, charge you fees or lend money. All credit is provided by independent third-party credit providers registered with the National Credit Regulator (NCR) under the National Credit Act 34 of 2005 (NCA).

2. No Guarantee of Approval

Submitting a request through our Website does not guarantee that you will be matched with a lender or approved for credit. Every lender is legally required to conduct its own affordability assessment before extending credit.

3. Costs and Commissions

Our service is free for consumers. We may receive a marketing or referral fee from credit providers or their networks when you take out a loan via our links. This fee does not increase the cost of your loan. Loan costs (interest, initiation fees, service fees) are set by the lender within the caps prescribed by the NCA and will be disclosed to you in a pre-agreement quote before you sign.

4. Your Responsibilities

• Provide accurate, current and complete information.
• Only apply for credit you can afford to repay.
• Read the lender's terms, pre-agreement quote and contract carefully before signing.

5. Estimates and Content

Any repayment amounts shown on this Website are indicative estimates only, based on maximum rates permitted under the NCA. The actual cost of your loan is determined solely by the lender. Content on this Website is general information, not financial advice.

6. Third-Party Websites

Links to lender websites are provided for convenience. We are not responsible for the content, products, decisions or conduct of any third party. Your relationship with a lender is governed by that lender's own terms.

7. Limitation of Liability

To the maximum extent permitted by law, PaydayCash.co.za shall not be liable for any direct, indirect or consequential loss arising from your use of the Website, reliance on estimates, or dealings with any credit provider.

8. Intellectual Property

All content, branding and design on this Website belong to PaydayCash.co.za or its licensors and may not be reproduced without permission.

9. Responsible Lending

Short-term credit is intended for temporary cash-flow needs, not long-term financial difficulties. If you are over-indebted, contact the National Credit Regulator on 0860 627 627 or visit ncr.org.za for free information about debt counselling.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of the Website after changes are published constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the Republic of South Africa.

12. Contact

Questions about these Terms: info@paydaycash.co.za