How it Works

How to apply for a payday loan
We can assist South African citizens who are permanently employed and receive a regular salary in a bank account. All loans are granted after your income and expenses have been verified. A credit check will be performed – however if you had credit before, it doesn’t automatically disqualify you from being granted a loan. We take many factors into consideration before deciding on your suitability for a loan. Providing we are satisfied that you will be able to repay the borrowed amount, we will certainly consider your application for a short term loan.

Follow the steps below for a quick and easy payday loan application
Connect to our site using a mobile phone, tablet or desktop PC.
Register your account to log on to credithome.co.za by completing the registration form here
Specify your desired loan amount (maximum of R5000 for new customers).
Specify your desired repayment period (maximum of 3 months for new customers)
Complete your application via our secure online form.
You provide your most recent payslip and bank statement (not older than 30 days) as proof of income.
If successful, your cash is sent to your bank account, typically within the hour.
You pay back the loan as agreed on application. Early repayment is allowed and actively encouraged so you can save money.

Short term payday loans from Credit Home
Credit Home short term cash loans is for when you need cash for those unexpected expenses or purchases you haven’t budgeted for. We offer short term loans that are not only very quick to receive but we made the application process simple and easy.
You can apply online and the loan typically last for up to three months for a maximum amount of around R500 to R5000. We allow you total flexibility and convenience with our payday crisis loans. We will not penalise you for paying back quickly when you borrow money from us.
There are short term loan providers that claim not to do a credit check on loan applications, which is in contravention of the National Credit Regulations. Credit Home will do a quick credit check and affordability study with your provided information and approval is extremely quick for qualifying clients.
Once registered and approved you can take advantage of our short term loans and get the funds in your bank account within the same day of your application in most cases.
We made it extremely convenient and easy for returning clients to apply for a loan from us. Clients can usually expect to receive their money within a couple of hours of applying.

What you expect from a Credit Home short term payday loan
We make it our goal to deliver a fast payday loan option when you need it most and not have you waiting for days. The loan application is quick and in most instances the decision is given almost instantly. You will need to submit your documents showing proof of income via our online document uploader and once your application has approval your funds will be transferred to you as an instant payday loan. You will have the option to receive the funds in your own bank account or in a new debit card we can provide for you to use.
We understand that unexpected expenses require a quick response and that is why we make the application process as painless and efficient as possible.
Credit Home is a direct lender, which means we offer payday loans directly to our customers through our own website. No potential broker fees or middlemen. Credit Home also offer the tradition face-to-face option for cash loans should you require to see a consultant you can always visit one of our branches for that extra peace of mind.