The fee, the interest, the total — all of it before you give us your name. Start with what is actually spare each month, and we will tell you straight whether it fits.
Every fee below sits inside the maximums the National Credit Act allows. You will see the full total on your agreement — but you can see it here first, without giving us anything.
R 1 000 plus R 150 initiation, R 60 service fee and R 50 interest.
R 2 000 plus R 265 initiation, R 180 service fees and R 300 interest.
R 5 000 plus R 565 initiation, R 360 service fees and R 1 500 interest.
Interest of 5% a month and a service fee of R60 a month are the maximums the Act sets for short term credit. The initiation fee is capped at R165 plus 10% of anything above R1 000, and never more than 15% of what you borrow.
Nothing is decided yet. Someone reads every application, and we come back to you either way.
Credit is paid into your LynkPay account and repaid from it, so if you do not have one we open it with the same application. Keep your ID and a recent bank statement handy — we will ask for them next.
Your reference is
Someone will come back to you shortly.
Credit is paid into your LynkPay account and repaid from it. That is why the account is the starting point rather than an extra.
Keep your money in it, tap to pay, buy airtime and electricity.
Approved money goes straight into your account, usually the same day.
No separate debit order to remember, and nobody chasing you.
Every payment and every fee, in the app. Nothing in small print.
Spend it at partner shops, pay it down, spend it again. Groceries, hardware, fuel — without reapplying every time.
Apply once. If approved, it is loaded onto your LynkPay card.
If you have enough available it goes through. The shop is paid, not you.
A set amount comes off your account monthly, with a statement every month.
What you repay becomes available again. No new application.
Payroll loans are arranged with you and repaid from salaries, so they cost your staff far less than what they would otherwise reach for. No cost to the business, and no administration beyond the deduction.
Customers with a store account spend at your shop and you are paid on your agreed terms. LynkPay carries the credit, not you. Works with your existing till, or on a simple page on any phone.