Flexibility
Flexible, short term loans that give you control of your life.Our short term loans help people manage their cash flow. If you need a quick loan to tide you over for a short while, we're here for you. Our loan process is simple and easy to understand. Click here to find out more.
100% online
With Guru loans, you can apply online 24/7 from anywhere in South Africa. It’s fast, secure, and built for your convenience.
Fast
Our streamlined process ensures you can apply and receive approval in just minutes. We’re committed to efficiency, knowing that time is often of the essence in financial matters.
Safe
Types of online loans
Same day loans
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Short-term loans
Short-term loans in South Africa are ideal for covering unexpected expenses, offering quick access to cash but usually with higher interest rates.
Instant loans
Instant loans are designed for speed, with online applications approved within minutes and funds transferred shortly after.
Cash loans
Cash loans provide quick access to money, often paid out directly into your bank account to help cover short-term financial gaps.
Personal loans
Personal loans offer flexible financing for various needs, from home improvements to debt consolidation, with fixed repayment terms and competitive interest rates.
Payday loans
Payday loans are short-term loans meant to tide you over until your next salary, offering quick cash for urgent expenses.
24 hour flexibility
You can save big on interest by repaying your short term loan earlier. Should things go wrong, we're here to help you find a solution.
We're transparent
There are no hidden fees. We make all our charges completely clear upfront before you apply.
We're committed
We lend responsibly, treat our clients fairly, and help people make sense of their money.
Select Amount
How much you want & for how long
Complete app form
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Loan offer
We’re all about responsible lending at Guru,
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Majority of our Guru loans are paid out within
Top Reasons Why Choose Us!
Contacts
Address:
5 schereiner street
Ivy park
Polokwane
1st
We fully digital
10K+
Consumers helped
3K+
Enqueries daily
15mn
Disbursed
© 2024 Guru loans registered in South Africa, Company no: 2024/167500/07. A registered credit provider , NCRCP21623
We take your privacy seriously. That’s why we use top-level encryption and strong data protection to keep your personal info secure. From the moment you apply to after you get your loan offer, your data is protected. Our system is always updated to block any threats.
Terms and rates
Minimum term: 61 days;
Maximum term: 120 days;
The terms are inclusive of all loan extensions;
Maximum annual percentage rate: 60%;
Minimum annual percentage rate: 54.75%;
Minimum approved amount: 500 ZAR;
Maximum approved amount: 4000 ZAR.
Example
You want to take your first Crediwise credit.
The amount of credit you need is 2000 ZAR for 91 days but you decide to repay within 10 days..
Interest rate for the first credit will be 0.16% per day.
The amount of the full repayment for the first loan – 2032 ZAR.
You want to take second or subsequent loan.
The amount of credit you need is 5000 ZAR.
The term is 91 days but you decide to repay within 15 days. Interest rate for the second credit will be 0.1% per day.
The amount of the full repayment – 5075 ZAR.