Calculators
Six tools, all computing from the National Credit Act caps for short-term credit. Each returns an estimate at the statutory maximum — a ceiling to hold a real quote up against, never a quote itself.
Choose a tool
Work out the monthly instalment and total repayable on a South African short-term loan, with interest, initiation fee, service fee and VAT itemised.
Break a South African short-term loan into principal, interest, initiation fee, service fee and VAT — and see the total cost of credit as one figure.
Check whether a loan instalment fits your South African budget before you apply. A rule of thumb — not the affordability assessment a lender runs.
Calculate the initiation fee, monthly service fee and VAT on a South African short-term loan, and see what proportion of the cost is fees.
Estimate what settling a South African short-term loan early saves in interest and service fees, and how to ask for a proper settlement quote.
Put two South African loan structures side by side and compare instalment against total cost of credit — the comparison that actually decides.
Every result here is an estimate
ZarCash is not a lender and cannot approve credit. These tools apply the legal maximum charges to the figures you enter. What you will actually be offered comes from an affordability assessment, and only a pre-agreement quote from a registered credit provider is binding.
Related
Sources and last checked
- National Credit Act 34 of 2005 and its regulations — Government, as at 10 August 2026.
Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.