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How it works

Step 1

Getting TrueCred is simple. Simply pick the product you wish to buy, the length of you credit, submit some information about yourself and voila!

You are on your way to getting yourself TrueCred! We will show exactly how much your credit will cost before we continue with the application. We will examine and get back to you with the status for your application as soon as humanly possible with the status of your application

why choose us

How does it work?

The process is simple and efficient. All you need to do it provide us with the following information:

Provide us with your personal details. (Name, ID number/Passport Number, telephone number, email address, physical address)

We need to proof of residence certified with person name on the statement or a letter of confirmations – certified.

We need to say last 3 payslips Upload your latest payslip (Please ensure that all pdf documents are unlocked. To unlock please go to Banking details (where your salary gets paid into).

We need 3 months bank statements and hopefully also reflects person residential address

After we have received the information and you have agreed to our terms and conditions, we will get back to you and quickly as humanly possible! We just have to do the mandatory checks and the cash is yours. The collecting date will be on your next pay day dates in the months you have borrowed, as we will determine from your payslip.

Lower Rates

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No Payment Penalty

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What is Our all in one loan?

An all in one loan is a loan that is payable over a maximum period of 1 months. Simple and straight forward.

This offers you the flexibility of picking exactly how long you will repay the loan.

Apply for loan

Cover those daily Expenses at the righ interest

Why Choose Us?

There are no hidden Fees or costs

From the moment you want to take a loan with us, we make it very clear how much the debt will cost. There are no hidden fees or costs. The only time you will pay more than what we have agreed upon is if you do not keep your end on the deal.

If everything is done as per schedule, then you will not pay a cent more than what we would have agreed upon. We have heard enough sob stories of extra hidden charges being paid by unsuspecting customers that were not outlined initially. That is not part of our ethos at TrueCred. This is “True Credit”.

We have a unique “PayDay” loan facility which gives you the ability to not pay interest at all. Yes! That is right, zero interest. All you pay is an administration fees for the money you have borrowed which is fixed for a period of 31 days or less. This will make our short term debt one of the cheapest in the country. To find out more, check out the PayDay Loans page.

We are constantly on a hunt for deals and great offers from retailers, and we package them in a way that will make them affordable and convenient for you. We know that you do not like being tied down in that 24 months cell phone contract, or other contracts you are have been tied into. We give the option of paying off the cost of the product in more flexible time periods.


If you can afford to be in debt for a shorter period, then why be tied down for 2 whole years? Unlike most money lenders, we want to offer you an innovative way of purchasing the best deals in the shortest time. By introducing a deposit into the mix, it will drastically reduce how much you spend on buying the things that you really need.

We offer a special product were we give credit to the employees of employers that we have partnered with. The whole idea is two address two major issues we have identified; Employees need extra cash at times and Employers don’t always have the capacity to offer this much needed cash. TrueCred offers a package were we bridge this gap. We motivate your employees buy offering them affordable credit on an ongoing basis, and we free up cash flow for the employer to expand their business. By doing this, we are directly contributing to the continued success of your business.

Would you like to be one of our partner businesses? Contact us! Would you like your employer to be one of our partner employers? Contact us! We have packages to match any size company and any size salaries or wages