Need financial assistance before payday?
Nokana Financial Services has proudly assisted permanently employed South Africans since 2000 with responsible personal loans. Simple online application, fast decisions, and immediate payout once approved.
Use the slider to see the repayment amount for each loan amount.
There are no upfront fees.
The estimated repayment amount includes all interest, fees and Credit life insurance.
Four clear steps from your first click to funds in your account.
Fill out our secure form with your details.
Submit your ID, latest payslip and 3 month bank statements via our secure portal.
Our experienced consultants review your application and conduct a responsible affordability check.
Once approved, your funds are transferred directly to your bank account without delay.
We keep our requirements simple and transparent. You only need these three documents to get started.
A clear copy of your valid South African Identity Document.
Your most recent payslip to confirm permanent employment.
Last three months of bank statements showing your salary deposits.
Real feedback from South Africans who have experienced the Nokana difference.
"The process was incredibly easy and I received my money the same day after approval. I couldn't believe how professional the team was."
"Professional service from start to finish. No hidden fees, no surprises. Just honest lending exactly when I needed it most."
"I'll definitely recommend Nokana to my colleagues. Fast, friendly and they genuinely care about responsible lending."
Have questions? We have answers. If you need more help, feel free to WhatsApp us.
Interest is calculated at 3% per month on the deferred amount (loan amount plus initiation fee) for all loans during the calendar year, except for your first loan, which is charged at 5% per month.
Service Fee: A pro-rata service fee of R60 per month.
Initiation Fee: R165 on the first R1,000, plus 10% of any amount above R1,000, up to a maximum of R1,050.
All our loans include Credit Life Cover, which costs R5.50 per R1,000 of the deferred amount. This cover protects you in the unfortunate event of death, permanent disability, or retrenchment.
Yes. We also offer Funeral Cover, which pays a benefit to your beneficiaries in the event of your death.
We perform a full affordability assessment and review your credit history to determine the loan amount you qualify for.
No. New clients only qualify for a payday loan or a one-month loan. Once you've built a repayment history and your affordability allows, you may qualify for a larger loan repayable over two to six months in equal monthly instalments.
Your account will normally be debited on your salary payment date. If your salary date falls on a weekend or public holiday, your account may be debited one or two days earlier to help ensure the debit order is successful.
No. Unfortunately, we do not offer debt consolidation loans.
No. Unfortunately, we cannot provide loans to applicants who are under debt review, insolvent, or self-employed.
Credit bureaus may retain your payment information for up to five years. If you believe any information is incorrect, you may lodge a dispute by contacting XDS Credit Bureau on 0860 937 000.
Start your application now and experience responsible lending.