Rating based on 16 reviews


  • Payday loans up to R8,000
  • Quick online loans
  • Repayment up to 3 instalments

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Fasta homepage
Author Fasta. Screenshot of Fasta website.
[Accessed April 6, 2023]

About Fasta

FASTA offers South Africans a revolutionary way to pay for goods and services on credit.

While payday loans are not new to the South African market, FASTA’s payout and spending options are.

As a new Fintech business, they’re leading the way with their innovative approach to short-term lending and spending. While they’ve only been around for 3 years, they’ve amassed a significant number of satisfied customers and loyal fans.

When you take out a quick loan with FASTA, you’ll be able to use your money in three ways. These are referred to as FASTAcard, FASTAcash, and FASTAcheckout.

How you can get and spend your FASTA loan

  • Opt to load your personal loan onto a virtual card. You can then use this virtual card at any participating online or in-store retailer.
  • Choose to have your loan deposited into your bank account. This is the traditional way of getting access to your money.
  • While making an online payment, select the FASTA payment option. This option is only available for participating online retailers.

More and more retailers and service providers are joining the payment revolution and helping customers find easier ways to pay them. You can use FASTACheckout to pay for products and services from some of SA’s top online stores in an instant.

Fasta Services

Fasta offers South Africans payday loans that range from R500 to R8 000.

While most lenders require you to repay a loan in a single installment, FASTA offers more flexible terms. You can select one, two, or even three installments. This will make your loan more affordable and also help you qualify for a larger sum.

Affordable, quick, and secure payday loans

If you’re looking for a payday loan, FASTA can help you out. In addition to their simple online application - they payout approved short-term loans instantly.

Their incredible speed can be attributed to their automated systems and processes which don’t require human intervention. If you need a quick loan, you’ve found a lender worthy of your time and money! They’re a registered credit provider, employ bank-grade security features, and follow a strict privacy policy to protect your information.

Using your FASTA virtual card

If you’ve chosen to spend your money using the FASTA virtual card, you can make purchases using your Smartphone wherever a store accepts Mastercard payments or where stores use Snapscan or Snapscan and Zapper through VodaPay.

To make a till-point payment, cashiers will simply scan your QR code or use your 12-digit pin to process your payment.

Fasta – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to R8,000
  • Repayment 1 instalments to 3 instalments

Benefits of Fasta

  • Repayments in 3 instalments
  • Online loan applications
  • Get a loan within minutes

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Simple, quick and secure FASTA loans

If you urgently need a payday loan, FASTA can deliver in just 5 minutes.

This is possible because their application, approval, and payout process is entirely automated. Their bank statement retrieval system allows you to give them once-off access to your bank statements in a few clicks. This allows you to complete your online loan application without having to navigate away from their website.

More reasons to choose FASTA

  • You can select a loan amount (up to R8 000), that suits your needs
  • You don’t have to repay your loan in one go – pay in up to 3 installments
  • Get the cash you need in just 5 minutes
  • Forget payslips, proof of address, and signatures; their requirements are simpler
  • They offer three ways for you to receive and spend your money
  • They’re a registered credit provider

To apply for FASTA credit, applicants must:

  • Be 18 years or older
  • Have a South African ID number
  • Have a valid bank account
  • Provide their most recent 3-month bank statements

3 steps to getting a FASTA loan

  1. Use the slider on FASTA’s site to select your desired payday loan amount and choose either 1, 2, or 3 installments.
  2. Click on the “Apply now!” button and complete your online loan application. This will include an affordability assessment, and you’ll be required to allow FASTA to download your bank statements securely. You can also manually upload your bank statements or use your banking app to email them through FASTA.
  3. Review and accept your loan offer. Once approved, your payday loan will be credited and ready to use!

Use your FASTA virtual card or payment options to pay for:

  • Car service, diagnostics, and car mechanic services on Mechanic
  • Apple computer repairs, support, and parts with Macwave
  • Laptop parts and repairs on Netlink
  • Mobile phones, laptops, Smart tech, and more on My Mobile ZA
  • Computer, Xbox, and Nintendo games and accessories on Game4U
  • Apple devices and repairs on iStore
  • Phones, tablets, laptops, and scanners on Rugged-Phones
  • iPhone, Huawei, and Samsung smartphones on Phonetradr
  • Smartphones, tablets, computers, and office supplies on PowerBite
  • Cubot Smartphones
  • Wheels, tyres, accessories, and audio systems for cars on AutoStyle Sport
  • Book flights, hotels, and experiences on Travelcheck
  • Pre-used phones and laptops on Epic Deals
  • Mobile contracts and deals on Cellucity

Shop in-store at these awesome retailers:

  • Cape Union Mart
  • Cellucity
  • iStore
  • Keedo
  • Old Khaki
  • Poetry
  • Tread+Miller
man holding thumbs up

Fasta is a trusted & reliable provider of payday loans

In our review, Fasta adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Fasta is a registered credit provider in South Africa: NCRCP10591

Customer Reviews & Testimonials

July 2020

My phone was stolen, I needed some extra cash to get a new one. Fasta really helped me and I was very grateful. It was easy to apply and link up my bank statements.

Jonathan R
— Pretoria —

April 2020

I would definitely recommend Fasta’s loans to others, it’s super quick and easy to apply. I got my loan in less than 10 minutes. The more expensive than my bank but delivered on their promises.

Fatima M
— Johannesburg —

Fasta Contact

Physical Address

  • Suite 307, Sovereign Quay, 40 Somerset Rd Green Point Western Cape 8005 South Africa
  • Get Directions

Opening Hours

  • not available