Need cash fast? Get an instant decision with FASTA.*
Apply online in minutes and receive your payout in seconds once approved. 100% online. Fast. Simple. Secure.
Skip the bank queues. FASTA provides fast, flexible short termloansdesigned to match your lifestyle.
~sliders~
Why Should You Choose FASTA
FASTA is one of South Africa’s fastest online lenders, providing access to cash 24/7 through a seamless digital experience.
Choose FASTA for quick, convenient access to cash when life does not go according to plan. Our online application is simple, secure, and designed to give you a fast decision without the paperwork or branch visits.
How to Apply for your Short Term Loan:
1
Choose your short term loan amount.
Use the slider to select how much you want and for how long.
Click Apply now.
2
Complete your short term loan application.
Fill in your details accurately – this will speed up your online loan application.
3
Verify your short term loan details.
We are a responsible lender, and your affordability is important. We will do credit checks and verify your details before giving you a loan offer.
4
Sign your short term loan agreement.
Accept the loan offer, sign your loan agreement and your cash will be deposited in your bank account.
Do You Qualify for a Short Term Loan with FASTA?
The basic qualifying criteria are straightforward. You need to meet all of them, and you’ll also need to pass an affordability assessment. That assessment is there by law to make sure the loan is manageable for you, not just approved.
Basic Eligibility Checklist
✓ South African citizen or permanent resident with a valid SA ID
✓ 18 years of age or older
✓ Regular monthly income (employed, self-employed or pensioner)
✓ Your own South African bank account where your income is deposited
✓ A working South African mobile number and email address
✓ Must pass FASTA’s affordability assessment
Is a Short Term Loan Different from a Personal Loan?
A short-term loan is a smaller, faster type of personal loan. The difference comes down to speed and scale.
While traditional bank loans involve larger amounts repaid over several years or a payday loan, short term loans offer smaller sums with a quick application and shorter repayment periods. If you’re looking for immediate financial flexibility without the long-term debt commitment, short term loans are for you.
How Do Interest Rates for Short Term Loans Work?
Short term loan interest is usually charged as a fixed rate each month (typically 3% to 5%) rather than a long-term annual rate.
You only pay this interest for the few months you have the loan, so your monthly repayments stay predictable and don’t drag out over time.
Short term loans that put your financial well-being first.
Take control of your budget with FASTA’s flexible repayment terms of up to 6 months.
We calculate your affordability upfront to ensure your monthly instalments are clear, predictable, and perfectly aligned with what you can comfortably afford.
Representative example:
Borrow R15 000 over 6 months at an annual interest rate linked to prime (28.75%).
Initiation fee: R1 207.50. Monthly service fee: R69. Credit protection insurance: R68.48 per month.
Maximum APR: 123%. Total amount repayable: R18 418.25.
No surprises, just straightforward financial flexibility.
Simpler.Better.FASTA
