Cashgist loans: terms, fees and requirements

What Cashgist says on its website (read 27 Oct 2026):

• Amount and term: R500 to R4 000, repaid within 5 to 40 days.
• Speed: approval in 15 minutes; payout 15 minutes to 2 hours during business hours.
• Payout: to your bank account, or to an eWallet, which Cashgist describes as instant on any day.
• Early settlement: without penalty.

Cashgist does not publish its interest rate or fees on the site; they are in the agreement you receive before you sign. Compare the total you will repay with other lenders on the online loans list.

You must be 21 or older and a South African citizen. Cashgist asks for a South African ID, proof of steady income for the last 3 months (a bank statement showing three salary deposits) and access to internet banking. The loan is assessed for affordability like any registered lender’s. Cashgist’s help centre says a decline can follow from its affordability assessment or from information in your credit profile, and it does not say that a low score is accepted, so ask before you apply, or read loans for bad credit for lenders that do.

Repayment is by a DebiCheck debit order on the due date, or manually by Ozow from your account. A late fee applies and Cashgist does not publish the amount, so contact it before the due date if you cannot pay. Support runs Monday to Friday 08:00 to 17:00 and Saturday 08:00 to 13:00 on +27 21 714 0800 or support@cashgist.co.za.

Cashgist (Pty) Ltd, company registration 2025/261103/07, is registered with the National Credit Regulator as a credit provider, NCRCP22122; the NCR register showed it as Registered on 27 Oct 2026, since 10 June 2025. Registered office: 50 Long Street, Cape Town, Western Cape, 8001.