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Loan Calculator

R 5000
R500 R5000
6 Months
3 Months 6 Months
Estimated Monthly Payment

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Total Interest & Fees R 0.00
Total Repayable R 0.00

By clicking 'Apply Now', you acknowledge and agree to our Terms and Conditions. The final loan amount and terms is subject to credit approval and an affordability assessment.

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How to Apply

Applying is simple and you'll have the money in your account within 15 minutes!

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Choose your terms

Simply pick your loan amount and the number of months you want to pay it back—it's that simple.. Choosing the right loan involves a simple balance between the amount you need and a repayment term that fits your monthly budget comfortably.

Complete the application

Submit your application with all your information—we’ll take it from there. We will quickly review your details to finalize the loan and get back to you with an answer.

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Decide how to spend your money

Your money will be in your bank account within 15 minutes. Now you can just sit back, relax, and decide how you want to use it..

Your loan, your terms

We offer total flexibility; pick a payment plan that fits your budget.

Choose your terms

Choose a loan between R500 and R5,000 and pay it back over 3 to 6 months.

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Settle early

Pay back your loan at any time and save on interest and fees.

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Fast and easy

Apply and the money will be in your bank account within 15 minutes!

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Responsible lending

We carefully evaluate every application to ensure our lending remains responsible and manageable for your budget.

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We're transparent

No surprises, no hidden fees, what you see is what you get.

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Awesome Support

From the moment you apply until your loan is fully repaid, our team is here to support you every step of the way.

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Ways to pay

Payments made simple. Choose the method that works for you.

Our payment options include debit order, Capitec Pay, Ozow Instant EFT, and MasterCard & Visa card payments.

Capitec Ozow Visa Mastercard

How we can help

Mint Finance is here to help when you need it most.

Blog
Managing Emergency Expenses

When life throws a curveball, Mint Finance provides a safety net to help you manage the impact. Instead of being forced to sell off your most valuable assets or property to cover an emergency, you can use our loans to bridge the gap. This allows you to handle the immediate crisis while keeping your long-term financial stability and future plans fully intact.

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Blog
Building Credit History and Financial Literacy

We can help you enter the formal financial system by providing an accessible starting point. By successfully repaying your loan with us, you’ll begin building a solid credit history. This foundation eventually opens the door for you to access larger loans like vehicle finance or home loans.

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Blog
Bridging Seasonal Income Gaps

Mint loans helps you smooth out the highs and lows of seasonal work. Whether you're navigating the quiet months in tourism or sales, we provide the capital needed to cover essentials like food and fuel. By acting as a bridge, we ensure you have access to reliable finance options.

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Managing rising inflation

Mint Finance provides a vital cushion when the rising cost of living puts pressure on your wallet. As inflation drives up the price of daily necessities like fuel and groceries, a microloan gives you the immediate flexibility to cover those increased expenses without dipping into your long-term savings or falling behind on bills. We help you maintain your standard of living and keep your household running smoothly, even when the economy is in flux.

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Get the perfect gits for loved ones

When you’re looking to celebrate a special occasion but your budget is tight, a microloan can help you bridge the gap. It allows you to purchase a meaningful gift for a loved one today—whether for a birthday, a wedding, or a holiday—without having to wait for your next paycheck. By spreading the cost into small, manageable repayments, you can show your support and appreciation for the people in your life without putting an immediate strain on your monthly essentials.

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Treat yourself, you deserve it!

Our loans provide the flexibility to enjoy life’s meaningful moments when they happen, rather than just when the timing is perfect. Whether it’s a celebratory dinner, a much-needed weekend getaway, or a personal upgrade you’ve been eyeing, Mint Finance allows you to treat yourself today. By breaking the cost into small, stress-free installments, you can invest in your own well-being and happiness without disrupting your daily budget.

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FAQ

Find answers to frequently asked questions.

Applications can be conveniently completed online via our online application form, which typically takes less than five minutes to submit.

Clients may apply for loan amounts ranging from a minimum of R500 to a maximum of R5,000.

Our flexible repayment terms span between 3 and 6 months. Please note that early settlement options are available at any time without penalty.

To process your application, you will need to provide a verified email address, a mobile number registered for WhatsApp communication, a valid South African ID number, and your banking details.

Interest Rates:
  • Initial loan within a calendar year: A maximum rate of 5% per month.
  • Subsequent loans within the same calendar year: A maximum rate of 3% per month.
Initiation Fee:

A once-off fee of R165, plus 10% of any principal amount exceeding R1,000.

Monthly Service Fee:

A flat rate of R60 per month.


Yes. In accordance with regulatory standards, a credit check is performed for each unique application to evaluate creditworthiness and financial affordability.

You are still welcome to apply. Every application undergoes a comprehensive, individual assessment. Approval is granted based on the overall outcome of this personalized review.

Yes, applicants must be employed and demonstrate a stable, consistent source of monthly income.

We do not enforce a rigid minimum income threshold. Instead, we conduct an affordability assessment based on your net disposable income (calculated income minus regular expenses) to determine an appropriate loan approval limit.

Approved funds are typically transferred within 15 minutes. If the loan does not reflect in your account within this timeframe, please contact your banking institution's support desk to verify pending clearings.

Yes, our automated disbursal systems successfully process and clear loan payouts throughout the weekend.

We provide several secure options to facilitate your monthly installments:

Debit Order:
Instalments are automatically processed and deducted from your designated account on your selected date.

Recurring Card Payment:
You may securely register a bank card to automate your monthly recurring installments.

Ozow & Capitec Pay:
You can initiate immediate payments at any time by logging into your Mint Finance dashboard and utilizing Ozow or Capitec Pay.

This timeline is dependent on your preferred payment date. If your selected date is more than 10 days away, your first payment will fall on that immediate date. If your selected date falls within 10 days of your loan approval, your payment will be scheduled for that day in the following calendar month.

Real-time loan statements and outstanding balances are accessible by securely logging into your Mint Finance dashboard.

Yes. Clients retain the flexibility to make manual electronic payments via the Mint Finance dashboard even if an active debit order is configured.

Yes. In the event of a failed or missed debit order, you are encouraged to make an immediate manual payment via the Mint Finance dashboard to keep your account in good standing.

Yes, you may settle your full outstanding balance at any time. Simply log into your Mint Finance account and navigate to settlement request to calculate and pay your early payoff amount.

Upon submitting your application, a user account will automatically be created. Your application email address will serve as your username, and all subsequent account details and notifications will be linked to this address.

To log in, please enter your registered email address. A One-Time Password (OTP) will be sent to you via WhatsApp for verification. Upon successful verification, you will be automatically redirected to your dashboard.

To update your profile details, including your email address and primary phone number, please log in to your Mint Finance dashboard.

Your Mint Finance dashboard allows you to securely monitor your current balance, access all relevant loan documentation, execute manual payments, or process a full loan settlement.