Personal Loan without the hassle. That's SmartSolve
- R3 000 to R6 000 available with up to 5 months to pay
- Apply in less than 3 minutes
- Fixed interest rate
- No hidden fees
Calculate how affordable a loan can be.
Please select below based on your needs.
What size loan do you require?
For how many months?
Monthly repayment *
R 5,000
*This is an indicative indication of what the loan will cost.
Quick and Convenient.
Don’t let a short-term cashflow crunch turn into long-term stress. Bridge the gap with SmartSolve Finance – a faster, simpler credit solution. Skip the lengthy paperwork. Apply for the credit you need in under 3 minutes – and it all happens online. Once approved, we’ll deposit the funds directly into your preferred bank account.
Responsible and Transparent
Our fixed interest rate and transparent fee structure mean no hidden surprises – what you see is what you pay. This means that repayments are predictable, leaving you in full control of your money. SmartSolve Finance is a JustMoney-approved lender
Our commitment to saving you money.
Not only is the interest rate on your first loan fixed, but every on-time payment unlocks lower rates on future loans. Plus, we don’t do forced credit insurance – saving you more every month
Create an account and get access to your Credit Score and custom offers tailored to your needs
Frequently Asked Questions
Based on questions Customers have previously asked us, we have provided the answers to help YOU.
Who can apply for a short-term personal loan with SmartSolve Finance?
You can apply if you are: A South African identity document holder 18 years or older currently employed, and able to supply three months' worth of bank statements and your latest payslip.
What can I do with a short-term personal loan?
Whether you need cash to cover urgent car repairs, unexpected medical expenses, or a temporary gap in your finances, a short-term loan can help. How you use the money is up to you.
What is an unsecured short-term personal loan?
With an unsecured loan, you don’t need an asset or collateral as security. Unlike some loans, which require you to risk an asset, unsecured loan approval is based on your creditworthiness and loan affordability.
How can I apply for a short-term personal loan?
Apply online in less than 3 minutes. Click ‘Get a Loan now’ and make sure you have the following documents ready: Your original identity document or smart identity card Your latest three months’ bank statements Your latest payslip.
Can I get a loan with a poor or no credit score?
We use your credit profile to determine whether you qualify for a personal loan. A poor credit score – or no credit history at all – may mean your loan application is less likely to be approved.
Are there any upfront costs?
SmartSolve Finance will never ask you for any upfront fees to secure a loan. This is illegal in terms of the National Credit Act.