How to borrow

Start by filling in our easy online application.

We’ll ask for a few details to confirm your identity and assess your eligibility, such as:

• Your South African ID number
• Proof of income (like a recent payslip or bank statement)
• Contact details so we can reach you quickly if needed

It only takes a few minutes, and everything is done securely on springloans.com.

Once registered, you can select the amount you’d like to borrow and choose a repayment term that suits your budget.

Use our online calculator to see how much you’ll repay, including fees and interest — no surprises, no hidden costs.

💡 Tip: Borrow only what you need, and choose a repayment date that aligns with your payday for the smoothest experience.

After you submit your application, we’ll run a quick affordability assessment and credit check.

Our smart system usually gives a decision in as little as 15 minutes during business hours. If approved, you’ll immediately see your loan offer with clear details on:

• The loan amount
• The repayment schedule
• The total cost of credit

Once you’re happy with the offer, simply sign your loan agreement online — no printing, no scanning, no waiting.

You’ll also confirm your consent for a secure debit order, so your repayments are automatic and hassle-free.

Funds are transferred straight to your verified bank account — often within 1 hour!