A fresh assessment, every time
Returning customers can apply for up to R6 000 over three months. Shorter-term limits remain R2 000 for one month and R4 000 for two months. Your last approved amount is not a promise of the next amount.
| What stays the same | What can change |
|---|---|
| Clear costs before acceptance | Your income, expenses and credit commitments |
| Credit and affordability checks | The amount or term you may qualify for |
| One active Lendeka loan at a time | Documents needed to verify current information |
| Access to help without a new loan | Whether a Together benefit applies |
Have anything that changed ready
Update employment, income, household spending, banking and contact details through the verified application channel. Do not assume an old bank account or previous mandate can be reused unchanged.
A benefit you can see in the price
The same R1 500 loan over one full month, at the same 3% monthly interest rate.
Without Together
R1 635.00Total to repay
Initiation fee: R60.00
With Together
R1 605.00Total to repay
Initiation fee: R30.00
R30.00 less to repay. No other fee increases.
Applies after at least one Lendeka loan has been fully repaid within the previous 24 months. A new application and affordability assessment are required. The reduction is capped at the initiation fee and cannot be paid in cash. Full programme rules.
If your current repayment is difficult
A new loan is not a requirement for support and does not unlock better treatment. If you still owe money or are finding payments difficult, start with repayment support.