Payday Loans No Credit Check in South Africa For 2024

Say goodbye to financial stress with Gasta loan services.

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

Payday loans no credit check are the best option if you don’t have great credit history in your past and need urgent money within 1 hour before payday. At Gasta you can apply for your loan within few minutes and can get instant cash up to R8000 with easy repayment term of 6 months.

This short term no credit check loans will help you to resolve your urgent cash emergency’s needs.

What are no credit check payday loans?

No credit check payday loans are small, short term cash loans you can pay back within two to four weeks when your salary credit in your account. In some case the borrower can expect the time period for their loan repayments up to 6 months with need to discuss with their lender.

These instant approval no credit check loans are specially designed by lenders to provide you the fast money until your next paycheck.

Can I get a guaranteed loan with no credit check?

In single word “NO”. there is no guaranteed for approval your loan without credit check in the South Africa but we are working with some lending partners in the South Africa, who offer bad credit or no credit instant approval loans to that people who have urgent money need without any credit check but lender needs some income source from the borrowers to approved the loan like:  Rental income, car rent, pension, savings, investment, or any government benefits etc.

Do all Payday lenders run credit checks?

Yes, in the South Africa most of the payday lenders may actually do a credit check because payday loans are unsecured short term loans this means that the borrower no need to any collateral. But the lenders may still need to assess your ability to repay the loan amount.

How do I check if I’m eligible for a loan with Gasta?

If do you need urgent money and going to be confused that you are eligible or not for urgent cash loan. To check your loan paying eligibility, the online lender will check your past credit history, your monthly income, the debt repayments history, etc. points helps the lender to confirm that you are eligible or not for loan application or not in the South Africa.

The Credit scores range from 300 to 850 required by the lender in the South Africa and are based on factors like borrower’s payment history, amount of outstanding debt in past and length of credit history.

How can I apply for a no credit check loans guaranteed approval with Gasta?

Even if you have bad credit or no credit, Gasta is still here to helping you Guaranteedly. We have specialized in loan matching borrowers with the correct lender according to borrower’s credit score. No matter how bad your credit is, we will be able to asset you 24/7 even on weekend also. Apply now for an instant decision loans with no credit check at Gasta.

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How long do you have to pay back your loan?

In the South Africa most of the lenders provide the loan repayment time within 30 days from the loan borrowing date, but it the borrower not able to pay back the loan within the month then the lenders gives up to 6 months installment time.

What if a lender is offering me payday loans in 1 hour with no credit check?

You shouldn’t apply for a 1 hour payday loan from any lending institution that offers emergency payday loans in hour with no credit check in the South Africa. Credit check are the very essential part of responsible lending which help the borrower’s not impact their credit score. If in the South Africa any private lender offers you without credit check loans, this means that they are not following the National Credit Regulator (NCR) guidance and you should avoid them.

What are the advantages of payday loans no credit check?

Payday loans are specially designed to get Rapid money within 1 hour and can repay within 1 month to 6 months. Here are some of the key advantages of payday loans if you are searching it:

Easy to access:

Payday loans are unsecured loans service which give you repay 4 weeks’ time and easy to get. Borrowers can easily apply it and the approval time is few minutes and the loan amount directly credit into the borrowers account within 24 hours. The individual can use it to resolve their unexpected expenses like, car repair, house rent, pay bills etc.

In addition, in the South Africa there is lots of choice for borrowers for lending money online same day. Many online lenders offer payday loan within 1 hour

They have fewer requirements than other loans

In the South Africa lots of borrowers are attracted to online payday loans because the acceptance criteria for this short term loan are often less strict than for other categories of lending. Even if the borrower have bad credit or no credit can also get this loan same day.

You can get approved with bad credit

Yes, this is right the bad credit individual can get approved for this short term loan, lenders only check the loan paying ability to get approved the borrower’s loans.

It is an unsecured loan

Yes, payday loans is a unsecured loan service which not required any collateral to get approved the loans same day, this means that the borrower can easily get the loans within 1 hour.

What are the disadvantages of payday loans no credit check?

They are expensive

Payday loans are the unsecured loans, because of this the interest rate of this loan service is high in the South Africa, the lender will charged 5% interest rate, if the borrower borrow R1000 original loan plus R150 interest amount, then the borrower’s must pay back a maximum of R1150.

Payday loans are considered predatory

It became predatory for those people who have bad credit history and don’t have regular income source to pay back their loan on time.

It is easy to get trapped in a cycle of debt

If the borrowers failing to repay their payday loan on time in any month could cause they to enter a debt spiral.  Since the online unsecured loans frequently come with very high interest rates in the South Africa attached, because of this the borrower may put at greater risk of falling into the debt trap.

They have access to your bank account

In the South Africa lender using Continuing Payment Authority (CPA) to get repaid the loan amount directly from the borrower account, they deduct the loan amount every month on given date and while you can cancel their authority at any time. 

Note: Your lender can withdraw money at any time if it is not available on the agreed date. Attempting to debit amount multiple time from your bank account can result in returned payment fees accumulating and also can impact your credit score.

How to get a Gasta payday loan with no credit check before New Year 2024?

Are you facing money problem, having bad credit history, want to borrow money without credit check and no one helping you get the loan for New Year (2024). don’t worry at Gasta have some lenders who are offer bad credit loans for new (2024). No needed any document verification. the lender will only do soft credit check and you just have to show your past 3 month credit history or any saving, investment, government benefits etc to get approved this new year loans within 1 hour.

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Frequently Asked Questions ✍️

We’re here to answer your questions

Is a no credit check payday loan safe?

As the name you can understand that do not require a review of your credit score, this type of loans convenient to the many bad credit loans holder but it can be very risky also because it is unsecured loans and have extremely high interest rates and origination fees. As a result, you should consider this loan at last when you don’t have any way.

Are there any hidden fees?

Gasta don’t charge any loan matching service fees for their customers, it is 100% free.

Who Qualifies for No Credit Check Loans?

Generally, anyone can Qualifies for this loans who have consistent source of monthly income, a valid bank account, and valid ID given by south Africa government can qualify for it.

How Quickly Can I Get money From a No Credit Check Loan?

It totally Depend on your lender, funds can be deposited rapidly, sometimes within few hours or even the same day.

What Is the Typical Interest Rate on a No Credit Check Loans?

The Interest rates are often very high rather than traditional loans due to the higher risk associated with loan.

Borrowing a short term loans can be calculated as follows

  • Borrowing R3000 for 30 days:
  • Initiation fee: R419.75
  • Service fees: R69.00
  • Total interest: R168.65
  • Insurance R16.12
  • Total to repay: R3673.52


Do No Credit Check Loans Require Any Form of Verification?

As the name, these loans don’t require a credit check, the African lenders only often verify your monthly income and active bank account details to ensure your ability to repay the loan on time in future.

What Are the Repayment Terms for No Credit Check Loans?

Repayment terms may be different from multiple lenders in the South Africa but typically short for 4 weeks to maximum 6 months, Make sure to carefully understand the loan repayment schedule before accepting the loan terms and conditions.

What Are Some Alternatives to No Credit Check Loans?

Alternatives can include online secured personal loans, co-signer or guarantor loans, payday alternative loans, credit builder loans, and credit counseling or debt management programs.

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