COST
Every charge in one estimate
The amount you receive, each fee with VAT and the total to repay, shown side by side.
See how the cost is built LENDUMI EVERYDAYShort-term loans
Short-term loans
in South Africa,
with the cost first.
Life happens. Make a little room for it.
The full cost of a R500–R4 000 loan over 15–35 days.
Paid partner link. Lendumi may be paid if you take up an offer. The partner decides eligibility, price and terms.
Estimate your repayment
R
R500R4 000
One repayment,
on one date.
Estimated total to repayR2 473.75
One repayment30 days after payout
Paid partner link. Lendumi may be paid if you take up an offer. The partner decides eligibility, price and terms.
Interest R100.00Fees incl. VAT R373.75
An example at Lendumi Everyday rates, not a personal quote.
Your quotation follows a credit and affordability check.
Every fee in the estimate explained No obligation to borrow Your affordability comes firstHow affordability is assessed
What you see
before you apply
The cost, the term and where to get help,
all on the page.
TERM
R500 to R4 000, repaid once
Terms of 15, 21, 30 or 35 days, so the due date can follow your next income.
Read the loan detailsHELP
Guides for harder months
Missed payments, date changes, complaints and scams, with the contact to use for each.
Open the help centreLendumi Everyday: R500–R4 000 over 15–35 days. Every offer is subject to credit and affordability checks.
HOW IT WORKSFrom estimate
Continue to partner From estimate
to repayment
Paid partner link. Lendumi may be paid if you take up an offer. The partner decides eligibility, price and terms.
01
Work out the repayment
Choose an amount and term, then check the total and the repayment date.
02
Check the requirements
Make sure you can verify your identity, your income and a bank account in your name.
03
Read the quote
Go through the personal quotation, the agreement and the DebiCheck details before you sign.
04
Plan the repayment
Keep the agreement, set the money aside for the due date and ask for help early if things change.
An estimate is not an approval, and an approval is not a payout: each has its own status. Applications are made on our partner’s website. What each status means
Who can apply
Lendumi Everyday is for a temporary gap before your next income, when you can already see how the repayment will be made.
Continue to partnerPaid partner link. Lendumi may be paid if you take up an offer. The partner decides eligibility, price and terms.
18 or older
A South African resident with a valid SA ID.
An income you can verify
Regular income, with room for repayments after essential expenses.
An account in your name
Your own bank account and a cellphone you can access.
A commitment you can manage
Credit and affordability checks apply. No new loans under debt review.
Prepare
before you borrow
Write down what you need and what you can repay, and keep the quote and the agreement together.
Before you borrow
Three questions first
- 01The need
The smallest amount that covers it.
- 02The numbers
Every fee. The total. The due date.
- 03The next month
A repayment that leaves room for life.
No account or email address needed.
Common questions
How much can I borrow?
Lendumi Everyday lends R500–R4 000, repaid in one payment after 15, 21, 30 or 35 days. The amount you are offered depends on eligibility, credit and affordability checks, and it can be less than you asked for.
Explore Lendumi EverydayHow much will a loan cost?
A first-loan example of R2 000.00 over 30 days has a total repayment of R2 473.75, including interest and fees. The cost of credit is R473.75. Your personal quotation confirms the figures that apply to you.
Read the full cost breakdownHow do I apply?
Check the requirements, find a repayment you can afford in the calculator, then select “Continue to partner”. The application and its identity, credit and affordability checks run on our partner’s secure website, not on this one. Never send identity documents, banking passwords or payments by email or chat.
Understand the application stepsIs payout instant?
No instant payout is promised. Checks, bank cut-off times, non-business days and payment-provider availability can affect timing. An approved offer or confirmed debit order is not proof that funds have arrived.
Understand payout timingCan I settle a loan early?
Ask the creditor for a settlement quotation for the date you intend to pay. Check its amount, validity, payment reference and the treatment of any scheduled debit order. The calculator is not a settlement quote for an existing loan.
Prepare for early settlementWhat if I cannot make a repayment?
Contact your creditor as early as possible. Explain what changed and ask about options you can realistically afford. A request for help does not automatically pause a debit order, change a due date or waive fees. Get any accepted arrangement in writing.
Prepare for a support conversationFinding a repayment
hard to make?
If a repayment feels out of reach, act early: the guide below sets out your options and independent help.
Find repayment support