Rating based on 43 reviews

Short-term Loans offered by Lifestyle Personal Finance

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Lifestyle Personal Finance is a registered credit provider with South Africa’s National Credit Regulator: NCRCP 2466

About Lifestyle Personal Finance

Our services and products are designed to meet the credit needs of South African’s quickly and at a good rate.

We offer short term loans that can be used for a range of needs including paying bills, purchasing appliances and travelling.

We're here to help you

With a range of quick cash products Lifestyle Personal Finance can be trusted to get you the money you need quickly and with no hassle. Our staff are well trained and here to assist you with your every need - be it help with your application or help with your loan repayments.

What Lifestyle Personal Finance can offer you

Lifestyle Personal Finance is an authorized agent of First National Bank and is able to provide low rate personal loans to people who are not FNB customers.

Our loans are superior to other alternative credit providers since our rates are lower, our loan amounts are higher and our loan terms are more flexible.

Our microloan products

Our Micro Loan acts as short-term cash loans and range from R1,000 to R15,000 and can be obtained by anyone who is a holder of a South African ID, is employed full time and is over the age of 18.

Our loan terms range from 30 days to 12 months although, we also offer longer loan terms for other credit products.

Interest Rate

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Loan Amount



Repayment Term

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In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  Unsecured loan option
  •  Early repayment

If a quick short-term loan is what you need, apply with us today

Although our short term cash loans are highly versatile and can be used for anything from paying bills to going on holiday we do not recommend that customers use them to consolidate debt as the terms are too short but, we also offer debt consolidation loans and you can contact us to inquire about this product.

Signing your loan agreement

Once we've sent you your loan agreement form it is your responsibility to read through the details provided therein, ensure your personal details are accurate and verify that you understand the terms and conditions.

You should also ensure that you understand the costs and repayment schedule of your short term loan. Once you've signed the agreement and returned it to us we will credit your account within the hour.

Can I apply for more than one short term loan?

Applying for two loans at the same time will depend on how well you pay your current credit plans. If your credit profile is in good condition, getting two loans won’t prove to be a problem. The only issue will be if you struggle to pay your existing expenses.

At the end of the day, the customer must always ensure that they don’t find themselves in financial situations that will make it difficult for them to live the life they were living before. Lifestyle Personal Finance will never give you a loan that will be too costly for you to afford.

Finding a short term loan that works for your budget

Everything we do, we put the customer in mind. When we ask for your remuneration details, we are doing this so you never struggle with paying for your credit plan or run the risk of skipping your instalment or paying it late. The customer should always ensure that he meets his financial obligations. This is the only way to ensure that your credit profile is always in good standing and will remain that way. At the end of the day, that is the goal.

Eligibility & Requirements

  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Bank statements

Other Products & Services

  • PERSONAL Loans
  • STUDENT Loans
  • DEBT Consolidation Loans
  • SHORT-TERM Loans

Customer Reviews & Testimonials

October 2018

Getting a short term loan from Lifestyle Personal Finance was one of the best decisions I’ve ever done for my budget.

Ernest Y
— Port Shepstone —

November 2018

I finally got a short term loan I can afford to pay off on a monthly basis.

Elizabeth R
— Springs —

January 2019

The entire short term loan application process was easy and convenient.

Babalwa M
— Khayelitsha —

March 2019

If you are looking for a credit provider with affordable short term loans, Lifestyle Finance is your go-to financial services provider.

Maxime N
— Brakpan —

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