We check what you can afford
We look at your income and expenses before we lend. If a repayment would stretch you too far, we'll say no and tell you why.
Unsecured personal loans
Fast, easy loans
Small loans, quick fix for life's needs
Borrow a small amount when something comes up, without putting up your car or home as security. You'll see exactly what it costs before you agree.
The basics
What is an unsecured loan?
An unsecured loan is money you borrow without offering anything you own as security. You don't sign over a car, a house or savings. Instead, we decide based on your income, your monthly expenses and how you've managed credit before.
You repay it in monthly instalments over an agreed term, and the loan is closed once the last payment is made.
Unsecured loan
No asset at risk. Approval depends on affordability and credit history. Suited to smaller amounts and shorter terms.
Secured loan
Backed by an asset such as a car or home, which the lender can claim if you stop paying. Usually used for larger amounts.
Good for
Car repairs, medical bills, school costs, a broken appliance, or getting through to payday when an expense won't wait.
How it works
From application to paid out
Applying is done online, on your phone or computer. There are no branches to visit and no paperwork to post.
Apply online
Tell us how much you need, what it's for, and about your income and monthly expenses.
Get a decision
We check what you can afford and your credit record, then tell you yes or no with the reason.
Review your offer
See the amount, monthly repayment, term and total you'll repay. Accept only if it works for you.
Get paid, then repay
The money goes into your bank account. You repay the same amount each month until the loan is settled.
What it costs
The full cost, before you agree
Every TinyBank offer puts the four numbers that matter on one screen, in the same order, before you sign anything. Interest and every fee are included in the total you'll repay.
We'll publish our loan amounts, terms and interest rates here before applications open.
Every offer shows
Before you sign- 01Amount
- What you'll receive
- 02Monthly repayment
- The same every month
- 03Term
- How many months
- 04Total you'll repay
- Including interest and fees
Before you apply
What you'll need
Have these ready and the application takes a few minutes.
- A valid ID documentYour own, in date.
- Proof of incomeRecent payslips or bank statements showing what you earn.
- A bank account in your nameWhere we pay the loan and collect repayments.
- A mobile number and emailSo we can send your decision, your agreement and payment reminders.
Responsible lending
A loan should fix a problem, not start one
No hidden costs
Interest and fees are in the total you see on your offer. Nothing is added later in the fine print.
Talk to us early
If you're struggling to make a repayment, contact us before it's due. It's easier to find a way through together.
Questions
Frequently asked
When can I apply?
Create an account, complete your profile, and apply online. We'll show you your offer before you agree.
How much can I borrow?
TinyBank is built for small loans. We'll publish the minimum and maximum amounts, terms and rates before launch. What you're offered will depend on what you can comfortably afford to repay.
Do I need to put up security?
No. Our loans are unsecured, so you don't offer your car, home or anything else you own. That's also why we look carefully at affordability.
Will applying affect my credit record?
We'll check your credit record as part of the decision. We'll always tell you before we run that check.
What if I can't make a repayment?
Contact us as soon as you know, ideally before the payment is due. We'd rather agree a plan with you than add to the pressure.
Can I settle my loan early?
Yes, you'll be able to repay what you owe at any time. We'll confirm the exact settlement terms with our pricing before launch.
How does investing work?
Investors add funds to a TinyBank wallet and choose loans to fund, from R100 per loan. As borrowers repay, principal and interest are paid back into your wallet in proportion to what you funded. Loans can go unpaid, so only invest money you can afford to lose.
Get started
Two ways to use TinyBank
Borrow a small amount when life needs a quick fix, or fund loans for people who have passed our affordability checks.