R8 000 loan in South Africa: compare lenders
Need up to R8 000? 5 lenders on this list lend up to R8 000, and 1 lender states a decision in 15 minutes or less, according to the lenders. The catch is the first loan: some cap it at half of the maximum. The table shows who offers the full R8 000 and who starts lower. Data as of 5 Nov 2026.more
R2 000·180 daysChange
- Apply onlineon the lender’s website or app
- Paid into your bank accountsome lenders also pay to an eWallet
- Apply 24/7at 2 lenders, according to them
Tasamira editorial team · Updated:
- Lenders’ terms on one page
- Free for you to use
Highest amount on the list: up to R8 000
- Amount
- up to R8 000from R500
See terms
- Source of the terms
- kredio.co.za · 27 Oct 2026
- Registration
- NCRCP24149 · NCR register
- Application and payout
- decision in 15 min or less · applications 24/7, according to the lender
Crediflow
NCR registeredHighest amount on the list: up to R8 000
- Amount
- up to R8 000
See terms
- Source of the terms
- crediflow.co.za · 29 Oct 2026
- Registration
- NCRCP23582 · NCR register
- Application and payout
- applications 24/7, according to the lender
Highest amount on the list: up to R8 000
- Amount
- up to R8 000from R500
See terms
- Source of the terms
- crediwise.co.za · 1 Nov 2026
- Registration
- NCRCP22496 · NCR register
Highest amount on the list: up to R8 000
- Amount
- up to R8 000from R500
- Term
- up to 6 months
- Rate
- From 0,1%/d
See terms
- Source of the terms
- creditza.co.za · 1 Nov 2026
- Registration
- NCRCP20790 · NCR register
Highest amount on the list: up to R8 000
- Amount
- up to R8 000from R500
See terms
- Source of the terms
- primeloans.co.za · 1 Nov 2026
- Registration
- NCRCP20937 · NCR register
Not the right fit? Loan comparison services
One application, and you may get offers from several lenders. Useful if a lender above turned you down.
Comparison service, not a lender
Comparison service, not a lender
Crezu
Comparison service, not a lender
- Amount
- R500 – R350 000
- Term
- 61–120 days
Creditum
Comparison service, not a lender
- Amount
- R500 – R350 000
- Term
- 6–72 months
Comparison service, not a lender
More comparison services (1)Show less
CreditGenius
Comparison service, not a lender
- Partner lenders
- 6
- How it works
- Source: creditgenius.co.za · 29 Oct 2026
Who lends up to R8 000, and what you can borrow the first time
These lenders list R8 000 as their maximum. A maximum is not an offer: your first loan, your income and your bank statements decide the amount you get.
| Lender | Maximum | First loan | Payout and speed (lender’s statement) | Documents |
|---|---|---|---|---|
| Kredio Apply | R8 000 | No lower first-loan limit published | Decision within 15 minutes, 24/7; paid within 15 minutes after you sign | ID, 3 months of bank statements, proof of steady income |
| Crediflow | R8 000 | Not published | Mostly minutes in business hours; money in 15 minutes to 2 hours | ID, 3 months of bank statements |
| Crediwise Apply | R8 000 | Up to R4 000 | 15 minutes to 2 hours in business hours; eWallet instant any day | ID, 3 months of bank statements |
| Primeloans Apply | R8 000 | Up to R4 000 | 15 minutes to 2 hours in business hours; eWallet instant any day | ID, 3 months of bank statements and payslip, proof of residence |
| Century Apply | R8 000 | Not published | Approval and payout aimed for the same day | ID, bank details, 3 months of bank statements with 3 salary deposits |
If you need the full R8 000 on a first application, start with the lenders that publish no lower first-loan cap, and keep a plan B: two lenders start you at R4 000.
What R8 000 over 6 months costs: a worked example
Century publishes its price components, so we can show how they add up for R8 000 over 6 months for a new client (Century card, 1 Nov 2026). This is our calculation from the published fees, not Century’s quotation: the quotation you receive before you sign is the figure that counts.
| Part | How it is built | Amount |
|---|---|---|
| Initiation fee | 16.5% of the first R1 000 plus 10% of the rest (cap 15% of the loan), VAT extra | R865 + VAT |
| Monthly service fee | R69 × 6 months | R414 |
| Interest | 0.16% a day for new clients: from a balance that falls with each instalment up to the full R8 000 for 182 days | R1 359 to R2 330 |
| Total repayable | R8 000 plus fees and interest, before VAT on the initiation fee | R10 638 to R11 609 |
Use the loan cost calculator with your own amount and term, and compare the total in rand across lenders, not the monthly rate.
Check the instalment before you ask for the maximum
- Divide the total repayable by the number of months and compare it with what is left after rent, transport and food. A lender must assess affordability, but you know your month better.
- A longer term lowers the instalment and raises the total. Ask for the quotation at two terms and compare both totals.
- Early settlement: Kredio allows it and asks for the settlement amount at least 3 working days before the due date. How early settlement works.
FAQ
Can I get an R8 000 loan in South Africa?
5 lenders on this list lend up to R8 000. Kredio, Crediflow, Crediwise, Primeloans and Century list R8 000 as their maximum. Crediwise and Primeloans cap a first loan at R4 000.
How fast can I get R8 000?
Kredio says it decides within 15 minutes, 24/7, and pays within 15 minutes after you sign. Crediflow, Crediwise and Primeloans quote 15 minutes to 2 hours in business hours. These are the lenders’ own statements, not a promise.
What documents do I need for an R8 000 loan?
A South African ID, the last 3 months of bank statements and a cell number. Kredio also asks for proof of steady income, and Primeloans for a payslip and proof of residence.
How much will I pay back on R8 000?
It depends on the term and the lender. In our worked example for Century over 6 months the total is between about R10 638 and R11 609. The lender’s pre-agreement quotation shows the exact figure.
Important information
Maximums, first-loan limits, documents and times are from the lender cards (Kredio, 27 Oct 2026; Crediflow, 29 Oct 2026; Crediwise, Primeloans and Century, 1 Nov 2026). The cost example uses Century’s published fees (card, 1 Nov 2026): initiation fee 16.5% of the first R1 000 plus 10% above R1 000, capped at 15% of the loan, plus VAT; service fee R69 a month; interest 0.16% a day for new clients. Interest is shown for two cases, instalments reducing the balance and the full amount outstanding for 182 days. Tasamira compares loans and does not lend: the application and the credit agreement are with the lender you choose.
- We checked every lender in the NCR register ·
- Terms from each lender’s website, with source and date
- 24/7 applications: according to each lender
- Default order: direct lenders first, then comparison services. Methodology
- Kredio: terms from the lender’s website, as of 27 Oct 2026