Got Questions?

You may apply if you are employed and earn a regular income, are 18 years or older, have a valid South African bank account, and meet our affordability and lending criteria. All applications are subject to an affordability assessment and credit evaluation in accordance with the National Credit Act.

New clients may qualify for loans from R500 up to R1,000. Returning clients may qualify for loans between R500 and R5,000. As you establish a positive repayment history with us, you may qualify for higher amounts, subject to our lending criteria and affordability assessment.

We aim to assess applications as quickly as possible. Most applications submitted with all required documents early in the day may qualify for same-day feedback, subject to our assessment process and Terms & Conditions. Applications received late in the day or requiring further verification may be finalised the next working day.

We do not process new loan applications on weekends or public holidays, though we continue to assist existing and returning clients during these periods. Applications submitted on Friday afternoon, over the weekend, or on a public holiday are reviewed on the next business day.

A copy of your South African ID, your latest payslip, three months' bank statements, and proof of residence.

You can upload them during your online application, send them via WhatsApp to 063 679 3566, or email them to loans@kgcole.co.za.

No. We currently provide loans to employed individuals only, and do not offer loans to unemployed applicants or SASSA grant recipients.

No. Unfortunately, we do not provide loans to individuals who are currently under debt review.

KGCOLE CASH LOANS operates fully online and does not have a physical office. You can apply through our website or via WhatsApp on 063 679 3566.

Our loans are short-term payday loans, generally repayable on your next payday or on the repayment date agreed in your loan agreement. Your repayment date will be clearly stated before you accept the loan.

Loan repayments are collected through DebiCheck. Once your loan is approved, you will receive a DebiCheck mandate to authorise the agreed debit order before any funds are deducted from your bank account.

A DebiCheck mandate is a secure, bank-verified agreement that requires you to confirm a new debit order electronically with your bank before any money can be deducted from your account. It lets you verify the amount to be deducted, the repayment date, and the terms of the agreement - protecting you against unauthorised or fraudulent debit orders.

Once your loan is approved and your loan agreement is complete, we submit your debit order details to your bank. Your bank then sends you a DebiCheck request through your banking app, online banking, or an ATM. You review and approve the details, and once approved, your bank authorises the debit order and repayments are deducted on the agreed date.

No. We do not require any upfront payment before loan approval. An administration fee of R50 is added to your repayment amount to cover the cost of an immediate payment, and this is clearly disclosed in your loan agreement before you accept the loan.

We will notify you of the outcome of your application via WhatsApp or the email address you provided during your application.

If your loan is approved and all required documentation, including your DebiCheck mandate, has been completed successfully, your funds will be paid into your nominated bank account as soon as possible via an immediate payment.

We encourage all clients to repay on the agreed date to maintain a good credit record and avoid additional interest, fees, or collection costs where applicable. If you anticipate difficulty repaying, please contact us as soon as possible so we can discuss your circumstances and, where appropriate, arrange a reasonable repayment plan.

Yes. You may settle your loan before the agreed repayment date. Please contact us for your settlement amount and payment instructions.

No. Every application is assessed individually based on affordability, credit profile, verification of the information provided, and compliance with the National Credit Act and our internal lending policies.

Yes. We treat your personal information as confidential and process it in accordance with the Protection of Personal Information Act (POPIA). It is used only for processing your loan application, administering your account, and complying with our legal and regulatory obligations.

Yes. KGCOLE CASH LOANS operates under KGCOLE HOLDINGS (Pty) Ltd, Company Registration Number 2021/690785/07, and is registered with the National Credit Regulator, NCR Registration Number NCRCP21782.

Monday–Friday: 08:00–17:00. Weekend and public holidays: 09:00–15:00 (for returning clients). Applications and enquiries received outside business hours are attended to on the next business day.

You can reach us via WhatsApp on 063 679 3566, by phone (calls only) on 076 176 5573, by email at loans@kgcole.co.za, or through this website. We're always happy to help with any question about your application or loan.