SMS Micro Loans


Loan in Minutes

At SMS Micro Loans, they  make the entire process of application and approval for your SMS Loan extremely quick and easy.

If you are interested and would like to know what a SMS Micro Loan is all about or how it works, read on:

How do I apply?

The first step you need to take is getting yourself registered with us. For our Client’s convenience, we have two options available:

1. Simply SMS using your Cell Phone:

  • SMS only the word ‘Yes’ to any one of the cell phone numbers provided:
    1. Vodacom: 082 007 0110 7411
    2. MTN: 083 456 7555 7411
    3. Cell C: 084 000 6440 7411

2. Click on “Contact Us”:

  • Enter your name and cell phone number and hit the send button!

Keep your cell phone close – SMS Micro Loans will contact you shortly

  • As soon as we have received your SMS or email our Call Centre willcontact you and explain briefly how it works and answer all your questions.
  • The SMS Micro Loan consultant will request that you fax us the following documentation
    • Latest Pay slip
    • Latest 2 months bank statements
    • Copy of your ID
  • On approval of your loan application, your bank account will be credited within 15 minutes with the approved loan amount. The repayment of this loan will be on your next PAYDAY.
  • This is a once off procedure – NO MORE PAPERWORK.
  • For future loans just SMS the loan amount required and we will credit your bank account within 15 minutes.
  • All SMS’s received on weekends, public holidays or after office hours will be attended to first thing on the next working day thereafter.

How much does a SMS Micro Loan cost?

Our instant cash and emergency loans are charged at R20 total cost of credit per R100 borrowed. Unlike other companies, SMS Micro Loans strive to keep the cost on credit as low as possible. This is why you get the benefit of much lower rates and costs on credit.

What about next month?

SMS Micro Loans give clients the flexibility to borrow from R100 to R1500 over a 1 to 30 day period. This means that the loan is due and repayable on your next PAYDAY! If our clients experience a cash flow problem during the month, just send us a sms with the amount and your bank account will be credited within 15 minutes, it is that simple! No more paperwork.

We do however recommend that clients borrow as little as possible or what is absolutely necessary to avoid becoming over indebted.

How do you qualify for our instant cash or emergency loans?

As one of the most reputable instant cash and emergency loans providers in South Africa, we will need you to meet certain criteria for you to qualify and register for our instant cash and emergency loans.
However, these are simple criteria which include the following:

  • South African citizen?
  • 18 years and older?
  • Permanent employed?
  • Earn more than R2000 per month
  • Salary paid into your bank account
  • Have a Cell Phone?

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