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‡‡ Go Money works with lending Partners who give direct loans. People who apply for loans must be at least 18 years old and have a real South African Identity Number and a bank account. They check your credit and decide if they can give you a loan. The interest rate you get depends on your credit score, the amount you apply, the term you select, and other things.

* When they check your rate, it's like a soft check at your credit that only you can see. A hard check on your credit, which can affect your credit score, happens when you actually get the loan.

** The rules for paying back the loan depend on how much you have to pay in interest, the fee to start the loan, how much you're borrowing, and how long you have to pay it back.

† The starting fee might be charged by the lender who gives you the loan through our website. Lenders don't charge extra fees for being late, checks that don't work, or other issues. The origination fee depends on loan amount, term, and credit quality. They take this fee out of the money you get when you get the loan.

†† This information is based on a study of people who used Go Money and got a loan between March 2022 and October 2023. People who paid off at least R5,000 on their credit cards saw their credit score go up by an average of 40 points within four months of getting a Payoff Loan. Your results might be different, and it's not guaranteed.

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