Say goodbye to financial stress with Gasta loan services.

  • Quick processes
  • Lower Rates
  • Instant disbursement
  • Flexible repayment

Frequently Asked Questions ✍️

We’re here to answer your questions

Are online payday loans legal in South Africa?

Yes, as per the State law of South Africa, payday lending is 100% legal in all states of ZA.

How long does it take to apply?

Applying for online Payday Loans is not a challenging task. The whole application process, from start to finish, takes only a few minutes. To speed-up up your application process, ensure you pre-ready your personal and banking details.

What are the requirements?

To qualify for payday loans online, you need to be:

  • Resident of South Africa,
  • Earn regular income,
  • Age must be 18 years or above and,
  • Having valid and active bank account.
  • If unemployed or self-employed show 3 month bank statements

What is the maximum amount that I can borrow?

You can borrow short-term payday loans minimum of R100 and a maximum of up to R4,000.

Can I apply for a loan even if I have bad credit?

The sweet and short answer is YES. A good credit score indeed increases your chances of getting loan approval quickly. But many payday lenders in South Africa, still make their loan decisions based on your current financial status. If you can afford your loan payments on the due date, you can get a loan even with bad credit.

How long will it take to receive the money?

If your loan application is approved, you are most likely to get funds into your bank account within 10-15 minutes. Although, it depends upon your banking processing time.

How is the money deposited?

Online payday loans in South Africa directly deposit the funds into your bank account. Please ensure no delay in getting money, and ensure your banking details while applying.

What if I am not able to pay back the loan on time?

If you can’t able to pay back your loan on time, please get in touch with your lender as soon as possible and explain your present financial situation. Most payday lenders can always provide an alternative solution.

Is your information secure?

We take high security to ensure the safety of our customer’s data and personal information shared with us. We use SSL and Cloudflare to encrypt and decrypt the data.

It Takes Less Than 5 Min

We will try to connect you with a direct lender no matter what your credit score is.

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Gasta Benefits

There are many reasons behind choosing Gasta to fund your financial needs, and some are:



You can apply for online instant payday loans from anywhere by using active internet connection. There's no involvement of paperwork or any other hassle.


Money 24/7

From application to getting money from payday loan, whole process usually completed within few minutes. It means you can get cash quickly, especially during emergencies.



Online payday loans are not just convenient and fast, but they are also safe and secure way of borrowing money. These loans are regulated by government laws.


No Hard Credit Checks

There are no hard credit checks involvement with payday loans. It means, there is no need to worry about loan rejection due to bad credit score.

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Our partners

We only partner with NCR certified lenders