Rating based on 19 reviews


  • Short-term loans up to R5,000
  • Low-interest starting from 110%
  • Repayment up to 6 months

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

About InstaLoan

They’re a leading credit provider that is available online 24 hours a day to take care of all your quick loan needs.

They pride themselves on offering the best customer service, the quickest loan turnaround times, and the most affordable repayment terms among their competitors.

Personalised service to every customer

Unlike large lenders who only look at customers as a number, they offer each and every individual a personalised service that gets to the core of their needs.

Whether you need to get a short-term loan for an upcoming family holiday or need to pay for some expensive repairs on your car they can help you quickly and efficiently.

InstaLoan Services

At InstaLoan they simply offer small, short-term microloans to South Africans who need credit in a hurry.

Their loan application is non-invasive, simple, and takes only 6 minutes to complete. InstaLoan has partnered with mobile network giant MTN and is one of the most reliable and popular lenders in South Africa.

They deliver on their promises

Their fast loans range from R1 000 to R5 000 and they have a loan repayment term of between 2 and 6 months.

They are registered as a financial services provider with the National Credit Regulator and abide by the required code of conduct. Their interest is capped at 248% per annum.

InstaLoan – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 110248% p/a
  • Loan Amount up to R5,000
  • Repayment 60 days to 6 months
  • Decision 24 hours

Benefits of InstaLoan

  • Short-term loans
  • Personal loans
  • Quick loans

Short-term loan calculator

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

They have the perfect short-term loan solution to suit your budget

Applying for a loan with them is simple and takes just 6 minutes.

All you need to do is make your way to their website and fill in their online loan application form.

They will ask you to provide them with your personal and contact information as well as your employment details. You will then have to upload your supporting documents before they will send the cash to your account.

Applying for a loan as an existing customer

Are you an existing customer? If so all you need to do to apply for a short-term loan online is log in by entering your username and password. All of your details from your previous loan with them will have been saved and you will merely have to tell them how much you want before you'll be instantly approved.

Their customer service staff are available to assist you with all of your questions, queries, and issues - simply call or email them to get immediate assistance.

Settling your short-term loan sooner than the scheduled date

If you have more than enough money to settle your short-term loan before the scheduled date, you are welcome to do so. When you pay your loan before the date, at least you will have one less loan to worry about.

This will also give you brownie points should you need a credit plan in the future because they have seen the commitment you have shown on your previous loan. There is no reason to wait for the date of the scheduled payment if you already have the money right away.

The best method of payment

When you choose a debit order system, it makes things easier for all parties involved. The customer has to ensure that there are sufficient funds on the date agreed upon. Should there be no funds available, the client will be liable for extra charges and this will impair your credit profile.

Should you encounter a problem that makes it difficult for you to pay your loan on time, please contact them as soon as possible. Don’t wait until the very last day or the day of the debit order to notify them.

man holding thumbs up

InstaLoan is a trusted & reliable provider of short-term loans

In our review, InstaLoan 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.

✅ InstaLoan is a registered credit provider in South Africa: NCRCP7380

Customer Reviews & Testimonials

December 2018

InstaLoan afforded me a credit plan that has amazing interest rate charges.

Simon G
— Durban —

February 2019

The loan application at InstaLoan was fast and easy to follow through until the very last stage.

Mbali M
— Mpumalanga —

February 2019

The loan application at InstaLoan was fast and easy to follow through until the very last stage.

Mbali P
— Mpumalanga —

InstaLoan Contact

Physical Address

  • 1st Floor, Island House Constantia Office Park Weltevreden Johannesburg Gauteng 1709 South Africa
  • Get Directions

Opening Hours

  • not available