Does Fair Money offer Instant Payday Loans?

There is really no such thing as an “instant payday loan”. Most loans require an application and approval process. At Fair Money our application usually takes a few minutes to fill out. You will be presented with a decision that may require additional verification checks after you submit your application for review. Once you have submitted your application we will run our standard checks which may take up to 30 minutes in most cases. While that doesn’t qualify as an instant cash loan, we think it’s convenient for our customers.

Think about those times when an urgent expense seemed to come out of nowhere in an instant. Maybe you needed to make a repair so you could keep going to work each day. Perhaps something vital in your home needed to be fixed or replaced. When your furnace goes out, winter doesn’t leave you much choice but to repair it fast. A broken window with an impending storm can be troublesome too.

Fair Money understands that unexpected things happen, and payday may still be too far away for you to get the money you need now. That’s why we offer online loans that can help you make it through a difficult time, if approved. Whether you need a payday loan in Johannesburg, a payday loan in Cape Town, a payday loan in Durban or in any other area in Johannesburg, if you meet our minimum criteria we will be able to assist you.

There’s no way to know when you might need help, but Fair Money makes it possible to take control of your finances. Instead of unpaid bills, late fees or other charges growing, you can get the temporary assistance you need when you need it. If approved, you can have cash deposited directly into your bank account within 24 hours after approval

How do I apply?

Our application process is clear, straightforward and entirely online, so you won’t need to queue up or even leave the privacy of your own home. And on the web, our doors never close. We’re online to assist you at any time with your application or with questions you might have about how Fair Money works or about your loan.

You can apply for a payday loan 24 hours a day, 7 days a week, 365 days a year. During the day, in the middle of the night, weekends and even public holidays, the funds you need will be sent to your bank account, if approved, within 24 hours after your application approval.

Our application is straightforward and there are no hidden fees so that you know exactly what you are getting:

  1. Apply online any time
  2. In most cases, applications are processed within 30 minutes
  3. If approved, get cash sent within 24 hours after approval

Please keep in mind that although people use Fair Money every day, our short term loans are designed to be used responsibly, making it possible for you to take care of the expenses that can’t wait so that you can start saving money for the next time you have an unexpected expense.

Are Payday Loans For Bad Credit Available?

One of the main reasons you might be looking at taking out a payday loan is because you have bad credit and no conventional bank loans are open to you. This means that your Credit Score is lower than average or lower than the bank are prepared to lend against.

Unfortunately, at this stage Fair Money is not able to assist. We adhere to strict NCR regulation and takes things such as credit history and affordability very seriously.

Perhaps one of the below lenders would be more than happy to assist you:

Why choose Fair Money?

If you’re looking to get a loan online, Fair Money could help. We offer short term loans which can be repaid over a period of 1 to 6 months, meaning you can spread the cost instead of paying back in one lump sum. If approved, you can borrow between R2000 and R8000, subject to affordability through our online process. We can even give you a decision and you may have the funds in your account on the same day.

We don’t charge any late payment fees or early settlement fees, though we do charge an interest rate on the money you borrow as well as an initiation fee and monthly admin fees. However, we will never place any unexpected extra fees, only what was agreed upfront.

What’s the best online Payday loan in South Africa?

Given our easy application process online or via call centre from the comfort of your couch as well as the quick approval and funding times, we believe quite firmly that at Fair Money we offer the best Payday loan on the market

You can apply for a payday loan 24 hours a day, 7 days a week, 365 days a year. During the day, in the middle of the night, weekends and even public holidays, the funds you need will be sent to your bank account, if approved, within 24 hours after your application approval.

Best Alternatives to Payday loans

How about 2 – 6 months months to repay, instead of paying it all back in one go? You may find it’s easier on your budget than a payday loan and you’ll get the cash as fast as most payday lenders manage. Money streamed to your bank in under 24 hours.

If you’re applying for a short-term loan with us, we know you need cash fast. That’s why, in most cases, once agreed, we can send cash to your bank really quickly.

How Does It Work?

Apply today with these four simple steps.


Fill in our free and easy online application form. You will need a ID, bank statement and monthly payslip.

Eligibility Check

We will automatically assess your  eligibility against our credit history and affordability criteria.

Approval and Funding

Sign and send back your loan agreement which will be sent to you via email subject to approval. Funds deposited into your account within 24 hours.

Debt Free

Feel satisfied with the feeling of paying off your loan and being debt free

* We are not affiliated with any of these lenders nor do we accept any fees or commission from them.