Online application takes less than 5 minutes

Short Term Loans

What are short term loans?
Short term loans are financial products which are designed to provide immediate access of funds to borrowers for a short period. These loans are meant to be repaid within a few months which is why they are often compared with payday loans.
A short term loan is often used to cover unexpected expenses like medical bills or home repairs. These loans are unsecured, which means that they don't require collateral. Approval is usually based on factors such as borrower's income and repayment ability. At Finsap Loans, we offer short term loans, You can apply online to borrow money and get the money to your bank within 24 hours if approved.

How do short term loans work?

Short term loans work by providing quick access of funds to the individuals who need it to meet their unexpected financial emergencies. Borrowers can get the funds to their bank account with a few minutes to few hours, once approved.

To get a short term loan, borrowers need to fill out an online application form, providing information like their income, employment details, and personal identification proof. Once submitted, we will review the application and, if approved, the funds will be directly sent to the borrower's bank account.
Repayment of these loans are usually fixed in the form of monthly instalments, which typically ranges from a few weeks to a few months.

Is a short term loan good for me?

Yes, a short term loan can be a good option for you if you require immediate access to funds. These loans can help you manage unexpected expenses. Short term loans usually have high interest rates which is why it is important to carefully consider the loan terms and your repayment ability before applying.

What can I use a short term loan for?

Short term loans can be used for various purposes which can help you in different financial situations. Below are a few reasons for which it can be used:
Unexpected medical expenses, Car repair, Urgent home repair, Utility bills, Debt consolidation, Tuition Fees, Home repairs.
When considering a short term loan, check the interest rate and monthly repayments. Also, borrow only what is necessary. It is important to use the funds responsibly and ensure that you can comfortably repay the loan and pay interest within the given time duration.

How much money can I borrow from a short term loan?

The loan amount you can borrow for a short term loan depends on factors such as our policies, your income, and your creditworthiness. Typically, a short term loan ranges from R5,000 to R500,000. However, it's important to borrow only what you need and can comfortably repay within the designated repayment period.

Can I repay my short term loan early?

Yes, in most cases, you can repay your short term loans early without any extra fees. However, it is important to review the terms and conditions of your loan agreement.

At Finsap Loans, we give you upto 12 months to repay your loan, but you can repay early if you want to, and we won't charge any extra fees from you. Remember, by repaying your loan early, you can save money on interest and become debt-free sooner.

To apply for a short term loan?
Apply online on our website and send the required supporting documents via email to
1. Copy of ID or passport
2. Last 3 months personal bank statements or payslips

Application takes less than 5 minutes. Apply Now

Why choose Finsap Loans

We’ve been arranging finance solutions since 2006 and it’s our mission to take the hassle out of applying for credit.

Get a thumbs up

Finsap Loans offer personal loans, business loans, loans for debt review, debt consolidation loans, loans for blacklisted and home loans from 5% low interest rates in South Africa

We look at all circumstances

Whether your credit score is in good shape or less-than-ideal, we can assist you with your loan requirements

Helping thousands of South Africans

Join other Approved and happy customers

See what our customers say about us

You want great service, who wouldn’t? Well, we’re proud to deliver
nothing short of excellence and our customers seem to agree!

Take a look at genuine reviews from our happy customers who we’ve helped get a loan. see reviews

How about a Personal Loan?

Find out your chances of being approved for a loan with no impact on your credit score.

Tell me more

Finsap Loans is a direct loan lender offering different loan types.

More about our products

Personal Loans

Our approach to lending has always been, and always will be, personal. We’ve helped individuals in South Africa, but we know that every customer - Find out more.

Business Loans

Business loans are very common and one of the first options for businesses looking to raise finance.
The lender provides money that you, as the borrower, pay back - Find out more.

Debt Consolidation Loans

A debt consolidation loan is designed to help you get on top of any outstanding credit you have by moving some or all your debt - Find out more.

Home Loans

Our award-winning range of home finance products let you release tax-free cash from your home, second home or buy-to-let property, without the need to sell or transfer ownership. – Find out more.

Loans for Blacklisted

Many people believe that by having a bad credit history you are barred from being able to get a loan in the future and that your details – Find out more.

PayDay Loans

A payday loan is a short-term, small loan that you repay once you receive your next pay – Find out more.

Home Improvement Loans

A home improvement loan allows you to spread the cost of your project with a clear view of what you'll pay each month from the start – Find out more.

Can we help you today? Whether it’s a question or you just need support, we’re here to help.Get in touch