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90 Day Payday Loans No Credit Check South Africa

Whether you need quick cash to fund emergency needs or exhaust your income before another paycheck is due, 90-day payday loans no credit check South Africa might be just the solution you need to stay afloat for the time being and keep your finances together. You would agree that emergency expenses such as medical bills and car repairs are unavoidable regardless of how strictly you stick to your budget. Therefore, opting for 90-day payday loans no credit check South Africa can be a life-saver if you are confident about repaying it within the stipulated time. These loans are easily accessible online and get approved in no time. However, you must know that they come with higher interest rates than other loan types due to their fast turnaround time.

What Are 90 Day Payday Loans No Credit Check?

Also known as cash advance loans, 90-day payday loans are a form of payday loans. They are famous for their super-quick application process and disbursement – often within the same business day. 90-day loans are short-term and small loans that usually range between R500 and R4,000. When you borrow a 90-day payday loan from a lender, you are expected to pay it back with interest within ninety days (3 months) – just as the name implies. Depending on the lender’s conditions, repayments can be made monthly, bi-monthly, weekly, or bi-weekly. Repayment terms often require you to give access to the lender to debit your account to make payments automatically. This is to assist you in making timely payments and avoiding extra costs. However, other lenders may accept online manual payments, wire transfers, or in-person payments.

Unlike traditional loan types, 90-day loans are straightforward to access, and customers get their applications approved and receive their money in very little time. Also, these loans do not require a hard credit check, which means you can qualify for a bad credit loan.

90-day loans are slightly different from other payday loans as they have a longer term before payment is due – thus, they are more convenient. Most other payday loans require payments to be made precisely at the next payday – a maximum of one month. However, more days to pay up means that 90-day loans carry higher interest rates – making them more costly. Therefore, you must ensure that the loan is used only for short-term expenses as the last-line solution. Also, you must be sure that you can pay it off before the deadline as late payments can attract penalty fees which can quickly accumulate and become huge debts.

How to Get 90 Day Payday Loans No Credit Check in South Africa

Now that you have known the basic details of 90-day payday loans no credit check in South Africa, let’s get into how you can successfully apply for one. As discussed above, 90-day payday loans are generally easier to get than other traditional credit lines. When you need a standard bank loan, you must be ready to wait patiently, fill in bulky paperwork and have your credit information thoroughly examined. Payday loans are quite the opposite as they involve only a few convenient steps.

STEP 1: Select your loan amount and loan term

After making up your mind to get a payday loan, the first thing you must do is select the amount you wish to borrow and how long you plan on repaying the amount borrowed. The loan amount is usually between R500 and R4,000, but some lenders offer up to R8,000 to returning customers. Borrowing a 90-day loan already means you have a loan term of 90 days or three months.

STEP 2: Complete our application form

After clicking on the ‘Request Funds’ button, you will be provided with an application form which you need to complete. You may be required to provide the following:

  • Personal details
  • Employment details
  • Financial details
  • Expenditure information

After filling out the brief application, ensure you read the terms & conditions and the privacy policy, then click on “Apply.”

STEP 3: Wait 2 minutes for the decision

After your application is successfully submitted, it is sent across to our selection of lenders, and you must wait for about two minutes for them to determine whether you qualify for a loan or not. If your application is declined, we will communicate with you immediately so you can consider other financial options.

STEP 4: Connect with a lender if approved

When a lender decides to offer you a loan, you will receive a notification from them immediately, redirecting you to connect with them on their main website to proceed with your loan application. You will be contacted either via email or phone call. During your conversation with the lender, ensure you ask for clarity on every aspect of the loan they are offering you.

The lender will give you a loan offer to go through and accept. We highly advise that you read through it thoroughly and understand every aspect of the agreement before signing it. Ensure you are more mindful of some areas in the contract, such as terms & conditions, repayment plan, and fees & charges.

If you are good with the loan agreement, you can sign it and send it back to the lender. Next is waiting for the money to be disbursed as quickly as possible – often within the same day or latest within 48 hours.

Basic Eligibility Criteria

To avoid wasting time or having your application rejected, it is essential to ensure that you are eligible before applying for a 90-day loan on Here are some essential eligibility criteria for 90-day loans:

  • You must be at least 18-years old
  • You must possess a valid South African ID card
  • You must either be employed or self-employed
  • You must have a valid South African bank account with which you receive income or salary
  • You must have a history of regular income of a minimum amount in your bank account. Some lenders require a regular income of not less than R2,000.
  • You must have proof of income, e.g., a bank statement for the last three months.
  • You must have proof of residence, e.g., a water or light utility bill from your local council.
  • You must have an active email or phone number.

Meeting all these requirements means a high probability of your loan application getting approved by lenders.

Advantages of 90 Day Loans Bad Credit

There are a few benefits that might make you want to consider choosing a 90-day loans bad credit.

· Minimum Loan Amounts

Unlike other types of credits such as bank loans and personal loans, 90-day loans are small loans with minimum amounts (R500 – R4,000) just like any other payday loan. This makes them more manageable and easier to pay back. A 90-day loans bad credit even offers more breathing space – allowing you to repay a low-principal loan within a time as much as three months.

Though these loans come with high-interest rates and charges, many borrowers still find them quite affordable and accessible compared to standard bank loans.

· Convenience

Payday loans such as 90-day loans are certainly the most convenient form of loans in South Africa – in terms of application. They are easily accessible online without you having to leave the comfort of your house. All you need is your phone or laptop and an internet connection to apply. Thus, 90-day loans can save you the trouble of waiting all day in long queues at the bank and filling in tiring paperwork.

Also, you don’t have to wait for workdays or work hours before applying. Whether you fill out a request form on a Sunday or in the middle of the night, you can be sure your application is received, and you’ll be contacted by a lender as soon as it is business hours.

· Fast Processing and Payment

Submitting an application online for a 90-day loan is a pretty fast process – taking only a few minutes. Also, it takes lenders only a little time to decide whether you qualify for a loan, so you don’t have to wait around. After signing the loan agreement, the money is transferred to the account within the same business day or two days maximum.

· No Credit Checks

Unlike traditional loans, you do not require a thorough scrutinization of your credit to qualify for 90-day loans no credit check. Therefore, it is an ideal option for borrowers with no credit score or damaged credit.

Features of 90 Day Loans Bad Credit

· Short Term and Small Amounts

As mentioned above, 90-day loans are classified are short-term loans that must be repaid within three months. They are most helpful in taking care of emergency expenses and come in handy when other loan types are difficult to get. Also, these loans offer only principal amounts, which usually range from R500 to R4,000. Some lenders allow returning customers to borrow up to R8,000.

· High-Interest Rates

Payday loans are among the most expensive loan types, and 90-day loans are not an exception. Due to their easy accessibility and fast turnaround time, these loans often come with high-interest rates and accompanying charges. A 90-day loan in South Africa usually has an interest rate of 5%, a monthly service fee of R57, VAT, and an initiation fee. The initiation fee is 15% charged on the first R1,000 borrowed and 10% on any added amount.

90-day loans may even have a higher interest rate than other payday loans due to their longer repayment term. Also, failure to pay up a 90-day loan on time can quickly rack up huge penalty charges, ultimately resulting in huge debts. Some lenders may lower interest rates and charges for borrowers who pay early.

· Accessibility

Payday loans, including 90-day loans, can be easily said to be the most accessible loan type. The application process is done online within minutes, and lenders immediately decide whether to approve a request. The disbursement of the money into the borrower’s account is also done at high speed – often within the same business day.

90-day loans do not require credit checks; thus, there is no need to bother about damaged credit. Also, they are unsecured loans and do not require borrowers to provide valuable assets as surety – giving more people access to borrow.


When used the right way and for the proper purpose, a 90-day loan can be a highly effective weapon in keeping your finances together in trying times. However, we highly recommend that you carefully sift through your repayment terms and ensure you can conveniently follow through with them. Do not take 90-day loans for long-term expenses, as this can result in substantial financial problems.

At, you can get a 90-day loan of up to R500 – R4,000 instantly with just a few clicks. We have a network of South Africa’s most trusted and legitimate lenders that are ready to review and approve your loan application in five minutes or less – no lengthy paperwork or delayed decision. We understand that people borrow 90-day loans and other payday loans majorly for emergency spending; therefore, we have a structure set up to help you get your instant cash quickly, easily, and without stress.


What is the Maximum Amount I Can Borrow for a 90-day loan?

South African lenders usually offer payday loans of up between the range of R500 – R4,000, and a 90-day loan is not an exception. However, some lenders offer up to R8,000 for returning customers who have paid off a previous loan on time.

Are There Options to Consider Besides 90-day Loans?

Since 90-day loans come with high-interest rates, you might want to consider cheaper loan options. You might go for a personal loan as they have more flexible repayment terms and lower interest rates than 90-day loans. You might also want to see if you qualify for little principal bank loans.

Can Payday Loans Damage My Credit Score?

Payday loan lenders can run a very soft check on your credit, but you can rest assured there are no hard credit checks. Thus, you are not at risk of having your credit score damaged. However, failure to pay back any loan within its term will always hurt your credit history and credit score.

Do I Qualify for a 90-day Loan if I am Unemployed?

As with other payday loans, 90-day loans are designed for employed and self-employed people who receive a steady income into their accounts – hence the name payday loans. Lenders believe that unemployed people can’t pay back as they don’t receive any income – thus, they mostly decline such requests.