Choose your amount
Pick anything from R500 to R5 000 and tell us when you next get paid. The application takes a few minutes.
The process
How an ADGAS loan works.
From your first click to money in your account — here is exactly what happens, what we need from you, and how long each stage takes.
Step by step
Four steps, start to finish.
Nothing needs to be printed, posted or delivered in person. Everything happens online or on your phone.
Send your documents
Your ID, latest payslip and three most recent bank statements. Clear phone photos are perfectly fine.
We assess and decide
We run a credit bureau enquiry and an affordability assessment, then a consultant reviews your file — usually within 24 hours.
Money in your account
Accept the agreement and we pay the funds into your bank account. One debit order collects the full amount on payday.
How it works
Choose one of the options below to apply.
Both options ask for the same three documents and are assessed identically. Pick whichever is easier for you today.
How to apply
What you need before you start.
Tick these four boxes and the application takes minutes. Meeting them does not guarantee approval — every application still goes through an affordability assessment.
18 or older
A South African citizen or permanent resident, aged 18 or above, with a valid ID or passport.
Employed
Permanently employed, on contract or in temporary work, with a payslip that verifies your income.
Bank account
An active South African bank account in your own name that your salary is paid into every month.
Contactable
A working mobile number and email address so a consultant can confirm the outcome quickly.
Documents
Have these ready and it takes minutes.
Every application needs the same three documents. Gather them before you start and you will not have to come back to it.
- South African ID or passportA clear photograph or scan of the document.
- Your latest payslipShowing your employer, your net pay and the pay date.
- Three months of bank statementsThe account your salary is paid into. PDFs from your banking app work perfectly.
After approval
What happens once you are approved.
Payout
Once you accept the agreement, the funds are released to your bank account. Most clients see the money the same or next business day, depending on their bank.
Repayment
A single debit order collects the total repayable on your next payday. The amount and date are confirmed in writing before you sign.
Borrowing again
A renewal is treated as a new loan, with the same rates and a fresh affordability check. A clean record helps when asking us to review your limit.
Struggling to repay? Speak to us before the debit order date on +27 64 922 4523. We would far rather make an arrangement with you than let an account fall into arrears.
Common questions
Questions about the process
If your question is not answered here, call us and a consultant will help.
Why do you need three months of bank statements?
The National Credit Act requires us to complete an affordability assessment before granting credit. Your statements show your income and regular commitments, which is how we work out an amount you can repay without leaving yourself short.
Can I apply if I am on a contract rather than permanent?
Yes. Contract and temporary employees are welcome to apply, provided your salary is paid into a South African bank account in your own name and your contract runs past the repayment date.
How will I know if I have been approved?
A consultant will contact you by phone, and you will receive written confirmation with the exact amount, the total repayable and the debit order date before anything is paid out.
How soon are approved funds paid out?
Once you accept the loan agreement, funds are released to your bank account. How quickly they reflect depends on your bank, but most clients see the money the same or the next business day.
Can I borrow again after repaying?
Yes. A renewal is treated as a new loan with the same rates and fees, and requires a fresh affordability assessment. Clients with a clean repayment history can ask us to review their limit.