Bridge the gap to payday
A salary-linked payday loan for employed individuals who need temporary personal support before their next salary.
Subject to NCA affordability assessment, credit approval and applicable terms and conditions.
Payday loan quick facts
Amount based on affordability
The amount you may qualify for depends on your income, expenses and affordability assessment.
1 to 3 months
Short repayment terms, usually structured around your salary cycle.
Salary-linked
Designed for employed individuals with regular, verifiable income.
Online application
Start online and upload the required documents securely.
What a Payday Loan costs
Tirhelo is a Registered Credit Provider. Fees and interest are set in line with the National Credit Act and confirmed before you commit.
R 1 000,00
Cost breakdown
R994,75 plus 3% of the loan amount
R50 per month, including VAT
Applicable initiation and service fees include VAT. Your confirmed loan amount, interest, fees and repayment schedule are provided after an affordability and credit assessment and will be set out in your credit agreement. This illustration does not constitute an offer or guarantee of approval.
Is a payday loan right for you?
A payday loan may suit you if you:
- are employed and receive a regular salary
- have verifiable income
- need temporary personal support before payday
- can provide a recent payslip and bank statements
- understand that repayment is linked to your salary cycle
To apply, you'll also need to:
- be 18 or older and a South African citizen or permanent resident
- earn at least R3,500 per month
- receive your salary in a bank account in your name
What it can help with:
Household costs
Food, rent and essentials
Transport
Getting to work and back
Essential bills
Bills due before payday
Medical costs
Unexpected health expenses
Cashflow gaps
Bridging salary-cycle gaps
Other needs
Immediate personal priorities
What you'll need
Having these ready can help your application be reviewed faster.
- Certified copy of South African ID
- Latest payslip
- Three months' bank statements
- Proof of address
- Employment confirmation, where applicable
Meeting these requirements does not guarantee approval. Every application is assessed for affordability under the National Credit Act.
How it works
Start online, upload the required documents, and your application will be reviewed through an affordability and credit assessment before the next step is confirmed.
Apply online
Complete the application with your personal, income and contact details.
Upload your documents
Attach the requested identity, income and bank-statement documents securely.
Assessment and next step
Your application is reviewed and you receive confirmation of the outcome or next step.
Still have questions?
Clear answers about payday loans, requirements and what happens next.
Need help with your payday loan?
Speak to a Tirhelo consultant for guidance on loan amounts, required documents, or the application process.
Call us
012 740 7427
A consultant can walk you through the process before you commit to anything.