Terms and conditions
The terms that apply when you use the CASH ZA website and services. Please read them carefully.
The short version
A summary, not the agreement. The full terms below are what govern your loan.
- What you're agreeing to
- By browsing the site, using the loan estimate tool, or applying for a loan, you agree to be bound by these terms.
- What you owe
- Interest and a monthly service fee may apply. The exact cost is only ever confirmed in your written offer, before you accept. [ Specific pricing — to be confirmed. ]
- If you miss a payment
- Contact us as soon as you can. Missed payments may affect your credit record, and we'll follow the process required under the National Credit Act.
- How to cancel
- You can cancel within the cooling-off period the law allows, by giving us written notice. [ Details — to be confirmed. ]
- Estimates are not offers
- Anything you see here, including the loan calculator, is illustrative only — it is not an offer, quote or approval.
What you owe
A once-off initiation fee, interest and a monthly service fee may apply, set out in full in your written offer before you accept.
Read clause 5If you miss a payment
What happens if a repayment is late, and how we'll work with you.
Read clause 6How to cancel
Your right to cancel within the cooling-off period, and what you may still owe.
Read clause 81.Introduction
These terms and conditions govern your use of the CASH ZA website and the services we offer through it. By browsing the site, using the loan estimate tool, or submitting an application, you agree to be bound by these terms.
2.Who can use CASH ZA
To use our services, you must:
Be 18 years of age or older.
Be a resident of South Africa.
Meet our eligibility and affordability requirements.
3.Estimates are not offers
Any figure shown on this site, including results from the loan estimate tool, is illustrative only. It is not an offer, quote or approval of any kind, and it does not guarantee that you will qualify for a loan. A real offer is only ever made in writing, after we have verified your identity and completed the required affordability checks.
4.Applying for a loan
When you apply, you'll complete an online form and provide information about yourself and your finances. You must give accurate, complete and up-to-date information at every step. Submitting an application does not guarantee that we will approve or offer you a loan.
5.Costs and repayment
Where a loan is offered, a once-off initiation fee, interest and a monthly service fee may apply. All costs are shown clearly in your written offer before you accept it, so you can see exactly what the loan will cost and what you'll repay. [ Specific pricing — to be confirmed. ]
6.If you miss a payment
If you're unable to make a repayment on time, contact us as soon as possible — the sooner we know, the more options we can look at with you. Missing payments may affect your credit record and could be reported to a registered credit bureau. Where you fall into default, we'll follow the process set out in the National Credit Act, including any required notices, before taking further steps. [ Specific late-payment fees, interest and collection process — to be confirmed with legal advisor. ]
7.Your responsibilities
If you take out a loan with us, you agree to:
Repay the loan on time, in line with the terms of your written offer.
Keep your personal and contact details up to date.
Protect your login details and never share them with anyone.
8.How to cancel
You have the right to cancel your credit agreement within the cooling-off period set out in the National Credit Act, by giving us written notice. Cancelling doesn't necessarily mean you owe nothing — you may still need to settle any amount already advanced to you, plus interest and costs incurred up to the date of cancellation, as the Act allows. To cancel, contact us through our contact page. [ Cooling-off period length and cancellation process — to be confirmed with legal advisor. ]
9.Responsible lending
We are committed to lending responsibly. If, after our checks, we believe a loan would not be affordable for you, we may decline your application or offer a different amount or term.
10.Our liability
We aim to provide accurate, reliable information and services, but the site and its tools are provided on a reasonable-efforts basis. To the extent permitted by law, our liability in connection with your use of the site is limited as set out in your written offer and applicable law. [ To be confirmed with legal. ]
11.Changes to these terms
We may update these terms from time to time to reflect changes in our services or in the law. Where we do, we'll post the updated version on this page, so please check back periodically.
12.Governing law
These terms are governed by the law of South Africa. [ governing law + NCA/NCR references — to be confirmed with legal advisor ]
13.Contact
If you have any questions about these terms, please reach us via our contact page.
