About Lendeka

Loan costs, repayment estimates and guidance for borrowers in South Africa.

Submit application

Opens an external application service. Check its terms before submitting. About this link.

A person checking a household budget beside a calculator.

The Lendeka product

The published short-term product covers amounts from R500, with one, two or three monthly repayments. The product page explains the limits for first and returning customers. Costs and fees lists the interest and administration charges.

Calculate before deciding

The repayment calculator shows each payment and the total. The budget planner helps you compare a commitment with income and essential spending. Both work in your browser without sending the figures to Lendeka.

Applications and partner offers

This website does not take Lendeka loan applications or issue credit. The partner link opens a separate offer on an external website. That service sets its own eligibility rules, prices and application process. Lendeka’s calculator and Together benefit do not determine a partner’s offer.

Read how the partner link works, including how referrals are counted.

Information for borrowers

The help centre covers documents, bank verification and repayments. Our money guides explain written offers, credit reports and what to do when payments become difficult. For an existing loan, use the creditor’s contact details on your agreement.