A payday loan is a short-term loan designed to help you cover unexpected expenses until your next payday. At Liyana Finance, we offer loans ranging from R500 to R5000 for periods of 5 to 60 days. Once approved, the funds are deposited into your bank account, and repayment is made on the agreed-upon date, typically when you receive your salary.

To qualify, you must:

• Be at least 18 years old.
• Have a valid South African ID.
• Be employed and earning a stable income.
• Have an active South African bank account.

You can apply online through our user-friendly platform or contact us at (012) 004 0889 during business hours. The process is quick, and you’ll need to provide your ID, proof of income, and bank statements.

We pride ourselves on fast turnaround times. Once you submit your application with all required documents, we aim to process it within a few hours. Approved funds are transferred to your account shortly after.

Our loans are designed for short-term needs, with a repayment period of up to 60 days. You can also choose a term as short as 5 days, depending on your financial situation.

Yes, you can! Early repayment is allowed, and it may help reduce the interest you pay. Contact us if you’d like to settle your loan before the due date.

If you’re unable to meet your repayment deadline, please contact us immediately to discuss possible options. We may be able to assist with a payment arrangement. However, late payments may result in additional fees and affect your credit score.

The interest rate on your loan depends on the loan amount and term. All fees and interest are disclosed upfront in line with the National Credit Act, so there are no surprises.

This depends on your financial situation and repayment history. Contact us to discuss your options, and we’ll assess your affordability before making a decision.

Your privacy is our priority. We comply with the Protection of Personal Information Act (POPIA) to ensure that your personal and financial information is protected. Your information is primarily used for loan processing purposes. However, we may share client information with other third parties for corporate transactions, such as sales or mergers, and with debt collectors and debt counsellors when necessary.

No, we believe in transparency. All costs, including initiation and service fees, will be disclosed to you upfront before you accept the loan agreement.

We’re here to help! You can reach us:

• Monday to Friday: 09:00 – 17:00
• Phone: (012) 004 0889
• Email: info@liyanafinance.co.za

If you have further questions, don’t hesitate to contact our support team!