FASTA FAQs

• Click on the ‘Apply now!’ button below the sliders to start your application.
• Enter your ID number (your South African ID number is your username) on the ‘Get Started’ page.
• For new customers:
• You will be prompted to enter your personal details.
• For existing customers:
• You will be prompted for your password.
• Follow the online application process.
• The application process is entirely self-service.

You must:

• Have a valid South African ID Number
• Be 18 years or older
• Earn a minimum monthly salary of R6000 for the last 3 months
• Have a valid bank account in your name
• Have a valid email address and mobile number

Bank Statements allow us to verify your income, which is a requirement in terms of the National Credit Act’s regulations.

We will need to review your most recent 3 months bank statements showing your salary deposits. For your convenience, you don’t need to upload any bank statements; it is done online via your internet banking during our application process on the ‘We need to verify your salary’ page.

Yes. We don’t believe in hiding any costs or offering you more credit than you can afford, so our sliders give you an easy way to fully understand the total costs we will charge you according to how much you want to borrow. We do this right at the start, so you are in control and can make an informed decision based on what you can afford.

As a registered credit provider our Fees and Interest calculated are based on the Regulations set out in Chapter 5 of the National Credit Act 34 of 2005.

Yes. FASTA will carefully evaluate your financial circumstances in terms of our lending criteria, which includes those required by the National Credit Act, and check your credit rating with a registered credit bureau in South Africa.

We pay you as soon as your application is approved by FASTA and all the DebiCheck mandate(s) have been authorised by you, it is paid immediatelyand generally should reflect within a minute or two in your bank account.      

In terms of the National Credit Act’s regulations, an Initiation Fee is a once-off fee we charge you for opening your FASTA loan account.

For your convenience we include it in your loan amount. If you want to pay it immediately you can make a payment using the ‘Pay with Instant EFT’ button onwww.fasta.co.zawhen you view your open loan.

As a standard, we include this Fee in the quoted instalment. As per regulation it is calculated as follows: 10% on the loan value plus 15% VAT. This Fee is capped at a maximum of R 1059 plus 15% VAT.

In terms of the National Credit Act’s regulation a Monthly Service Fee is a monthly charge for the maintenance and administration of your account, including statements, debit order processing and all ad-hoc correspondence.

As per regulation FASTA will charge you R60 per month plus 15% VAT. This fee is already included in the quoted instalment.

FASTA has short term personal loan products with interest rates that range from 0% to 5% and there are also products where the interest rate is linked to the PRIME lending rate of South Africa. A product is dependant on how much you borrow, your loan term (duration), and your customer profile. All terms and conditions are strictly adhered to by FASTA in accordance with the National Credit Act.

We provide access to credit up to R15 000. You can choose to repay FASTA in up to 6 equal monthly instalments.

We have gone to great lengths to ensure that our platform is safe and secure. We do not share your details with anyone and have a Privacy Policy, which you canread here.

You apply directly on the FASTA website.

Adjust the sliders to select the amount of credit you need as well as the number of repayments/instalments you would like.

The costs of the loan will be displayed to you automatically, helping you to choose an option that is most affordable to you.

Click the ‘Apply now!’ button to start a short online application. We will guide you through the process and tell you what information we need to make a credit decision.

On approval:

FASTACash:we pay the cash value of your loan into your chosen bank account.

We have carefully considered your financial position and your ability to meet any additional loan repayments, based on your income, monthly credit obligations and living expenses. Our assessment shows that you may struggle to pay any additional credit instalment/s and therefore your application has been declined.

We will always act responsibly and never offer you more credit than you can afford to comfortably repay. Taking out additional credit should only result in positive outcomes, not a prolonged financial burden.

We suggest waiting another 30 days before applying again. Multiple inquiries at the Credit Bureau in a short period of time may negatively impact your credit score.

We need your bank statements as proof of your income for the last 3 months/90 days.

At the ‘Verify your salary’ stage of your application, you will have different options to choose from to send your bank statements to us, depending on your chosen bank. These options are:

1. Upload:download your bank statements before you start your FASTA application and save them where you can easily find them again to be able to upload.
2. Online banking:provide your internet banking details in a 100% secure environment. This simply allows us to view your bank statements.
3. Email:send your bank statements via email to the unique FASTA email address provided.
4. Send from banking app or internet banking:using your unique email address provided by FASTA, email your bank statements to us directly from your banking app or internet banking. Make sure that you are sending it to the unique FASTA email address that will be sent to you via SMS and/or copy the email from the clip board during the application journey.

Please remember that, when you submit your bank statements to us using any of the above options, we are only able to accept bank generated PDFs.

Concerned about providing your internet banking details to us?

This technology is 100% secure. Your details are encrypted and never stored. We cannot make any transactions or access your funds. We can only retrieve and review the bank statements from your account.

Cancelling an application that is still in progress

There are 2 options:

1. Your application will automatically be cancelled after 7 days if you don’t complete it. You don’t need to contact us to cancel it.

OR

2. When you start a new application, your old loan application (if it is still in progress) will be cancelled automatically.

A DebiCheck debit order is a new safer debit order for South African consumers that allows only you to authorise companies like FASTA to collect money safely from your bank account. Only DebiCheck debit order mandate(s) that you authorise allow banks and credit providers to collect money from your bank account.

Use your banking app/online banking to authorise all your DebiCheck mandates from your bank account.

FASTA may ask you to authorise more than 1 mandate per loan, but we still only collect 1 instalment per month and the amount we collect stays unchanged.

Note:All mandates for a loan must be authorised before the loan will be granted.

To protect you from ‘unauthorised’ debit orders. DebiCheck allows only you to authorise companies, like FASTA, to collect money safely from your bank account. This gives you control over what debit orders are taken out of your bank account. Only DebiCheck mandate(s) that you authorise allow banks and credit providers to collect money from your bank account.

Use your banking app/online banking to authorise all your DebiCheck mandates.

FASTA may ask you to authorise more than 1 mandate per loan, but we still only collect 1 instalment per month and the amount we collect stays unchanged.

Note:All mandates for a loan must be authorised before the loan will be granted.

Note:Yes, all mandates for a loan must be authorised before the loan will be granted.

Yes. From 1 May 2021, any new service providerswill need you to approve a debit order request electronically(on your banking app or via your online banking) which then gives your bank, and credit provider, permission to proceed with the debit order instructions every month.Never accept a DebiCheck mandate from your bank or a credit provider that you do not recognise.

The terms and conditions of your loan agreement summarise your repayment terms. The exact dates are available on your loan when logged in. To view it login onwww.fasta.co.za, click on ‘Open’ tab, then click on the open loan and then on the ‘Payment schedule’ button.

In order to make a manual payment you will need the following information about your loan:

1. Your loan reference
2. FASTA banking details

To get these details do the following:

1. Login to your profile onwww.fasta.co.za.
2. Once you are logged in your profile, select the ‘Myloans‘ link in the top navigation.
3. Then select the ‘Open’ tab and click on the open loan.
4. To view the details click on the ‘Manual Payment’ option.
5. Once you have made your payment, please ensure that you send the proof of payment to us via the Customer Support Portal.
6. Pro tip:The best and most convenient way to make a payment is to use our Instant EFT payment option. It is instant and the payment appears immediately in your transactions. Select ‘Pay with Instant EFT’ on your open loan.

* Alternately, you can request that a payment link be sent to you by contacting us via the Customer Support Portal.

Please reach out to our Collections team on emailCollections@fasta.co.za.

Contact Details

Our Customer Services Team is available via the self-service Customer Support Portal on the FASTA websitewww.fasta.co.za. Click on ‘Support’ during the following times:

Weekdays 08h00 – 17h00
Saturdays 08h00 – 12h00
Sundays and Public Holidays – CLOSED

During the application process and the acceptance of the Pre-Agreement, Statement and Quotation, you give us your permission to deduct the Repayment Amount via debit order, from your bank account, on the Repayment Date selected by you.

This means that the repayment of your FASTA loan is fully automated.

We do not send statements. Go towww.fasta.co.za, login and go to ‘My loans’.

From there you will be able to access your statement.

If you are unhappy with our level of service, you can contact our Customer Support Team via the Customer Support Portal onwww.fasta.co.za. Click on ‘Support’ to log your complaint.

If you are not satisfied with the resolution/conclusion received from FASTA, you can take the matter further and contact the applicable regulatory or dispute resolution body using the details below:

National Credit Regulator
Telephone: (011) 554-2600 or 0860 627 627
Fax: (011) 484-6122
Email:info@NCR.org.za
Post Address: 127, 15th Road, Randjespark, Midrand

National Financial Ombud Scheme (NFO)
Telephone: 0860 800 900
WhatsApp: +27 (0) 66 273 0157
Email:info@nfosa.co.za
Website:www.nfosa.co.za

We recommend you contact South African Fraud Prevention Service:

• Website:www.safps.org.za
• Email:safps@safps.org.za

IMPORTANT:NO LEGITIMATE BANK OR LENDING COMPANY WILL EVER ASK YOU FOR YOUR PASSWORD/PIN. DO NOT EVER GIVE OUT YOUR PASSWORD OR PIN TO ANYONE, EVER.

• Carefully check DebiCheck Mandates prior to authenticating and authorising the mandate.
• Do not share your personal, banking or credit card information with people you don’t know or trust, and never give them access to your computer.
• Check your bank and credit card statements every month for suspicious activity.
• Before you throw out personal documents containing confidential or sensitive information, destroy them first by either shredding or ripping them up.
• Beware of entering competitions online where you must provide personal information.
• Activate privacy settings on social media sites and be careful what you post online as information can be easily stored and archived, even if you delete it.
• Never share your PIN codes used for banking or your devices.

1. Please go towww.fasta.co.zaand click on ‘Login’, then click on ‘Forgot Password’ link.
2. Enter your ID number (your username), select ‘Email’ or ‘SMS’ option; and then add your email address/mobile number you used when you created your FASTA profile and click ‘Send link’.
3. A reset password link will be sent to the abovementioned email address/mobile number. Open the email (Check your spam folder if the email is not in your inbox)/SMS and click on the link in the email/SMS to reset your password.
4. You will arrive on the reset password page, enter your new password in the ‘New password’ field and repeat the same password in the ‘Repeat new password’ field; and click ‘Reset password’. (NB: If the ‘Reset password’ button is greyed out, it means that the password you entered into the 2 input fields are not the same.)

1. Go towww.fasta.co.za, login and go to ‘My loans’.
2. Select the ‘Open’ tab.
3. Under ‘Open applications’ you will find your loan with a button called ‘Generate Settlement Letter’, click on the button.
4. The button will turn grey while your request is being processed. Please be patient.
5. When your letter is ready the button will turn blue again and will now say ‘Download Settlement Letter’.
6. Simply click on the button and your letter will download.
7. You can now save and view it.
8. Useful tip:You can settle your account by clicking ‘View’ and making a payment using the ‘Pay with instant EFT’ payment option. Use the settlement amount from the settlement letter (and not the balance shown on the screen).

1. Go towww.fasta.co.za, login and go to ‘My loans’.
2. Select the ‘Paid’ tab and click on ‘Download Paid Up Letter’ next to the applicable paid loan.
3. Your letter will download, you can now save and view it.

When your account is in arrears and has been handed over to an External Debt Collector, you must continue to honour your agreement with FASTA and also make payments and arrangements with the debt collector. Even though your account has been handed over, FASTA may still debit or reflect your contractual instalment on the account. Keep honouring all payment arrangements with the debt collector until your loan is paid off in full.

• Click on the ‘Apply now!’ button below the sliders to start your application.
• Enter your ID number (your South African ID number is your username) on the ‘Get Started’ page.
• For new customers:
• You will be prompted to enter your personal details.
• For existing customers:
• You will be prompted for your password.
• Follow the online application process.
• The application process is entirely self-service.

Our fastest application took the customer just under 2 minutes to complete and get their money in their bank account.

Generally the application process takes customers 2-3 minutes

Since all the assessement and approval proceses are fully automated they happen instantly, and in general, no matter the day, whether its a weekday, Saturday, Sunday or public holiday or even the time of day FASTA can process your application instantly and provide the funds directly into your bank account, come rain or shine. 

The cashout process (where we transfer your monety into your bank account) happens within 10 seconds and is immediately available to you to use straight out of your bank account.

Our fastest application has taken less than 3 minutes, from application to pay-out into your own bank account, ready for you to use!  On average and in general, the entire process takes 2-6 minutes online. Your money is instantly sent to your bank and reflects within the minute.

We do not refund FASTACash loans. We will, however, refund any excess/over payments on your account.

Should you wish to cancel your cash loan, please send your request to our Customer Support Team via the Customer Support Portal. Ts and Cs apply.

1. Can I repay my FASTACash loan before the loan term ends?

Yes, you have complete flexibility to settle your FASTACash loan at any stage of the loan term.

1. How can I start the repayment process?

To start the repayment process, please use our Customer Portal onwww.fasta.co.zato generate your Settlement Letter.

1. How do I generate a Settlement Letter?
   1. Go towww.fasta.co.za, login and go to ‘My loans’.
   2. Select the ‘Open’ tab.
   3. Under ‘Open applications’ you will find your loan with a button called ‘Generate Settlement Letter’, click on the button.
   4. The button will turn grey while your request is being processed. Please be patient.
   5. When your letter is ready the button will turn blue again and will now say ‘Download Settlement Letter’.
   6. Simply click on the button and your letter will download.
   7. You can now save and view it.
2. What’s the next step after obtaining the Settlement Letter?

After receiving your Settlement Letter, you can proceed by paying the exact quoted amount stated in the Settlement Letter.

1. What does the settlement amount include?

The settlement amount covers the quoted total mentioned in the Settlement Letter, which includes the accumulated interest and any applicable fees for the entire duration of the loan. For any further inquiries or assistance, please contact our Customer Support Team by clicking ‘Support’ onwww.fasta.co.za.

1. How can I make an immediate payment of the settlement amount?
   1. Log into your profile onwww.fasta.co.za.
   2. Once you are logged in your profile, click on ‘My loans’ in the top navigation.
   3. Then select the ‘Open’ tab and click on the open loan.
   4. Here you can make your payment using the ‘Pay with Instant EFT’ buttonoptions.

We are offering you Credit Protection Insurance (CPI) via our partners, African Unity Life and Aspis, to make it as simple as possible for you to have cover for your loan. You can make use of your own/alternate Credit Protection Insurance; you will be required to provide us with proof of your cover, within 5 working days of the loan being dispersed, for us to remove the CPI cover from your loan agreement, and credit the CPI charge. Your alternate cover will need to provide equal benefits under the act.

Please note that you can substitute our insurance for your own insurance at any time during the loan term, provided that you are able to prove that you have alternate cover and that the cover provides equal benefits to those that we are offering.

The administrator must be notified of all claims as soon as possible, within 6 (six) months of the death, disability, or retrenchment of the policyholder. Please contact Monitor Administrators on 031 812 2044 or emailfasta@monitorsa.co.za

Get a personal loan with quick approval from FASTA. FASTA offers personal loans ranging from R800 to R15,000, repayable over up to 6 monthly instalments. FASTA’s approval process is the fastest in the word, and you can expect to receive your funds directly into your bank account almost instantly if approved. The application is entirely online and paperless, takes less than 2 – 3 minutes to complete, and you’d typically need a regular income of at least R6,000, along with being a South African citizen with an account at a South African bank. Because FASTA is completely automated and does not rely on people to process the application at all, it can operate all day and not make mistakes. All other credit providers and banks rely on staff to assess your application which limits them to only process your application during banking hours.

What makes FASTA personal loans so compelling is that they are bank independant. That means you can bank with any major bank in South Africa and you can get a loan from FASTA, whereas a bank in South Africa can only lend to its customers that it has already. FASTA personal loans are aimed at preserving our customers identity and freedom of choice without compromise. FASTA loans offer extremely fast, quick, effortless, guided access to cash from your mobile or desktop without any hassle or unneccesay questions from bank managers.

No other bank or credit provider, other than FASTA, offers 24/7/365 access to immediate cash in your bank account. This makes FASTA the natural choice for anyone needing funds immediately.

FASTA offers instant access to funds even on Sundays and public holidays. No other credity provider or bank in South Africa offers that.

Get a personal loan with quick approval from FASTA.

The best place to find short-term personal loans with affordable interest rates is at FASTA who offer up to R15,000, with interest rates that are fully transparent and displayed to you before you even apply. FASTA uses interactive sliders on their website so you can adjust the loan amount and repayment period and instantly see exactly what you will pay — no surprises, no hidden fees. This gives. You will pay less interest if you pay back the loan in less instalments. FASTA allows you to pay back your loan in 1 to 6 monthly instalments, giving you complete control and flexability of how much interest you pay.

Furthermore, FASTA interest rates are between 0% and 5% per month depending on the product and applicant. FASTA is the only provider that has a special 0% interest fee for qualifying customers. Not only does FASTA have the best rates and give you complete control over how much interest you have to pay, it is also completely transparent with all its fees. Every fee — including the initiation fee and Credit Protection Insurance — is shown upfront before you commit to anything. There 

What sets FASTA apart is that the entire process is automated and self-service. There are no consultants pushing you toward a bigger loan than you need, and no fine print buried in paperwork. You decide how much you want, you see exactly what it costs, and you choose whether to proceed. That level of transparency and control is rare in the South African lending market.

FASTA loans are available to any South African with a valid ID, a regular monthly income of at least R6,000, and a bank account.The application takes just a few minutes online, and approved funds are paid into your bank account almost instantly.

FASTA is the fastest instant online loans available in South Africa. The entire application process takes as little as 2 to 3 minutes to complete, is 100% online and paperless, and because FASTA is fully automated — meaning no human involvement in the assessment process — it operates 24 hours a day, 7 days a week, 365 days a year, including Sundays and public holidays.

Once approved, funds are paid into your bank account almost instantly. No other credit provider in South Africa can match that combination of speed, availability, and convenience.

Most credit providers and banks rely on staff to assess and approve loan applications, which means they are limited to business hours and are subject to human error and delays. FASTA’s fully automated system processes applications in real-time, around the clock, without those limitations.

The application requires no paperwork, no branch visits, and no unnecessary questions. You simply apply online from your phone or desktop, verify your identity with a quick Face ID check, allow FASTA to view your bank statements digitally, and authorise your DebiCheck mandate — and that’s it. FASTA does the rest.

To qualify you need to be a South African citizen with a valid ID, earn a minimum monthly salary of R6,000, and hold a valid South African bank account. Loans are available from R800 up to R15,000, repayable over up to 6 monthly instalments.

FASTA is the fastest instant online loans available in South Africa.

FASTA offers the lowest interest rates. When it comes to instant online loans in South Africa, FASTA stands out not just for speed but for transparency around interest rates. Rather than burying costs in fine print or revealing fees only after you’ve committed, FASTA shows you the exact total cost of your loan upfront — before you even begin your application — using interactive sliders on their website.

FASTA is the only lender that has a special 0% interest rate product for qualifying customers. Our rates vary between 0% to 5% depending on the customer and product profile. NOTE: These rates are regulated and FASTA will never exceed the maximum under the National Credit Act.

What makes FASTA particularly compelling is that the rate you are offered is determined entirely by your credit profile — there are no hidden negotiations, no relationship managers to impress, and no branch visits required. The process is fully automated, objective, and consistent.

For returning FASTA customers, the interest rate drops significantly, rewarding loyalty and responsible repayment behaviour. This makes FASTA not just one of the fastest loan providers in South Africa, but one of the most rewarding to use over time.

All fees — including the initiation fee and Credit Protection Insurance — are displayed clearly before you commit, so you always know exactly what you are signing up for. No surprises. No hidden costs.

FASTA offers the lowest interest rates.

In South Africa, you can not get an instant online loan without a credit check. However, FASTA evaluates every application on its own merit using a fully automated system that looks at your complete financial picture — not just your credit score. While FASTA does conduct a credit check as required by the National Credit Act, the assessment also takes into account your current income, monthly expenses, and overall affordability, giving every applicant a fair and objective evaluation.

Because FASTA’s process is entirely automated, there is no human bias involved. No bank manager making judgment calls, no relationship history required, and no branch visits to convince anyone of anything. The system assesses your application consistently and in real-time, around the clock.

If your application is declined, FASTA will always act responsibly and will never offer you more credit than you can comfortably afford. They recommend waiting 30 days before reapplying, as multiple credit bureau enquiries in a short period can negatively affect your credit score.

FASTA is open 24/7/365, including Sundays and public holidays, meaning you can apply at any time and receive a decision within minutes — whenever you need it most.

In South Africa, you can not get an instant online loan without a credit check.

Once approved, funds are paid into your bank account almost instantly — making FASTA the fastest route from application to cash in hand available in South Africa today.

Most banks and credit providers are limited to processing loan applications during office hours, and approvals can take anywhere from 24 to 72 hours or longer. FASTA operates 24 hours a day, 7 days a week, 365 days a year — including Sundays and public holidays — meaning same-day approval is available whenever you need it, not just when it suits a bank’s operating schedule.

The application is 100% online, paperless, and takes as little as 2 to 3 minutes to complete from your phone or desktop. To qualify you need to be a South African citizen with a valid ID, earn a minimum monthly salary of R6,000, and hold a valid South African bank account. Loans are available from R800 up to R15,000, repayable over up to 6 monthly instalments.

FASTA is so fast that it is almost same-minute approval which is much better than same-day approval, which is what FASTA customers have come to expect. 

FASTA offers instant online personal loans of up to R15,000 with flexible repayment terms of up to 6 monthly instalments. From the moment you start your application, you are in complete control of how much you borrow and how long you take to pay it back. FASTA’s interactive sliders allow you to adjust both the loan amount and the repayment period in real-time, instantly showing you the total cost of each option before you commit to anything.

This means you can tailor your loan to exactly what you can afford, rather than being locked into a one-size-fits-all repayment structure that suits the lender more than it suits you.

FASTA also gives you the flexibility to settle your loan early at any time during the loan term. FASTA is available 24/7/365, including Sundays and public holidays, and approved funds are paid into your bank account almost instantly via PayShap. To qualify you need to be a South African citizen with a valid ID, earn a minimum monthly salary of R6,000, and hold a valid South African bank account.

The difference between applying for a loan through a digital lender like FASTA and applying through a traditional bank in South Africa is significant — in terms of speed, convenience, accessibility, and the overall experience.

Traditional banks require you to be an existing customer to access their lending products. This means that if you don’t already have an account with that bank, you simply cannot borrow from them. FASTA, by contrast, is bank-independent and welcomes applications from customers across most major South African banks, giving you freedom of choice that traditional banks cannot offer.

Traditional banks also rely heavily on staff to assess and process loan applications, which limits them to business hours and introduces the possibility of human error and inconsistency. FASTA’s fully automated system processes applications in real-time, 24 hours a day, 7 days a week, 365 days a year — including Sundays and public holidays — with no human involvement and no delays.

Where a traditional bank loan application can involve branch visits, mountains of paperwork, lengthy interviews with bank managers, and waiting periods of several days for a decision, FASTA’s application is 100% online, paperless, and takes as little as 2 to 3 minutes to complete from your phone or desktop. A decision is made in minutes, and approved funds are paid into your bank account almost instantly.

FASTA is also fully transparent about costs. Every fee — including the interest rate, initiation fee, and Credit Protection Insurance — is displayed upfront using interactive sliders before you commit to anything. There are no hidden fees and no surprises.

To qualify for a FASTA loan you need to be a South African citizen with a valid ID, earn a minimum monthly salary of R6,000, and hold a valid South African bank account. Loans are available from R800 up to R15,000, repayable over up to 6 monthly instalments.

What sets FASTA apart from all the digital lenders is that is 100% automated and assesses your application automaticaly and instantly. You can apply 24 hours a day, 7 days a week, 365 days a year — including Sundays and public holidays — with no human involvement and no delays. No other lender can do this except FASTA, making FASTA the best digital lender in South Africa.

FASTA can provide small business loans with flexible repayment plans. If you are a small business owner in South Africa looking for quick access to funding of up to R15,000, FASTA personal loans are one of the most practical and flexible options available to you. While FASTA offers personal loans rather than traditional business loans, many South African entrepreneurs and small business owners use FASTA to bridge cash flow gaps, cover stock purchases, or handle unexpected business expenses — without the red tape that comes with applying for a formal business loan.

Traditional business loans from banks require extensive documentation, business financial statements, and lengthy approval processes that can take days or even weeks. FASTA’s application takes less than 2–3 minutes, is entirely online, and is 100% automated — meaning no bank manager to convince and no paperwork to submit. If approved, funds land directly in your personal bank account almost immediately, and you can use them however your business needs.

FASTA offers access to up to R15,000 with repayment terms of up to 6 months, giving you the breathing room to repay at a pace that works for you. You simply need to be a South African citizen, earn a minimum of R6,000 per month, and have a valid South African bank account. That’s it.

For a small business owner who needs cash today — not next week — FASTA is the fastest, most accessible route to funding in South Africa, available 24/7/365, including Sundays and public holidays.

FASTA can provide small business loans with flexible repayment plans.

FASTA is the safest digital lender in South Africa. FASTA ensures that money can only be paid into the bank account of the person taking the loan. FASTA has advanced algorithms to help prevent fraudsters from taking advantage.

FASTA is a registered credit provider, fully compliant with the National Credit Act, and regulated by the National Credit Regulator. This means FASTA is held to exactly the same legal and ethical standards as any traditional bank when it comes to responsible lending, fee transparency, and the protection of your personal information. If you ever have a complaint that FASTA cannot resolve to your satisfaction, you have full recourse to the National Credit Regulator and the National Financial Ombud Scheme — the same consumer protections available to any bank customer.

FASTA also uses biometric Face ID verification during the application process to confirm your identity and protect you from fraud. This is the same technology used by leading financial institutions worldwide and ensures that nobody can apply for a loan in your name without your knowledge.

Where FASTA goes further than most traditional lenders is in its commitment to responsible lending. FASTA will never offer you more credit than you can comfortably afford to repay, and all costs are disclosed upfront before you commit to anything. No hidden fees, no surprises, and no pressure from consultants to borrow more than you need.

FASTA is the safest digital lender in South Africa.