STEP 1 Decide how much money you need
Adjust the sliders on the main page to determine the precise amount of money you require. Our system will instantly display the total expense of your loan, and when you’re satisfied, Fill in the form below.
STEP 2 Complete our secure online application form.
To determine if you qualify for the loan, please fill out our online application form, providing your ID number, employment details, monthly income, expenses, and bank account information. We will promptly evaluate your application and provide an immediate decision.
STEP 3 Income Verification
After your loan is approved, we’ll need to verify your income using your most recent payslip or bank statement that clearly displays your personal information and income details.
STEP 4 Transfer to your bank account
Rest assured that our team will diligently verify your income and initiate the transfer of funds to your bank account. On the due date, we will automatically collect the repayment from your bank account, so please ensure that sufficient funds are available for the transaction.
Short Term Credit
At Kater Loans, we offer fast cash advances for short periods, typically ranging from a few days to a few weeks. You can apply for a loan between R500 and R10,000, with a three-month repayment period. If you need something different, please contact us directly.
We believe in responsible lending, which means we won’t extend your balance or encourage minimum repayments. You have the freedom to pay us back early without any hidden fees.
Before applying, please carefully consider your ability to repay. We expect you to fulfill your promise to repay the loan. If you have any doubts or are unsure about your ability to comfortably repay, it’s best not to apply.
APPLY NOWTransparency
At Kater Loans, we believe in transparency. We will always inform you upfront about the total cost of your loan. There are no hidden fees or surprises, as long as you fulfill your part of the agreement by repaying the loan on time.
Our loan offering comes with a maximum monthly interest rate of 40%. We provide a clear breakdown of the loan cost, including interest and fees. This includes our monthly service fee of R97.75 and an initiation fee, which covers administrative costs associated with setting up your loan with Kater Loans. You can view the cost breakdown of the loan on our slider before applying, ensuring full visibility of all associated costs.
Failure to stick to your side of the deal
It’s important to understand the consequences if you can’t repay the loan on time. If a payment is declined by your bank, we’ll contact you immediately to resolve the situation. However, this may result in additional costs from your bank.
We’ll continue to try collecting the money and reach out to discuss the situation. If your circumstances have changed, we’ll work together to find a solution and help you get back on track.
If the loan remains unpaid, interest and fees will continue to accrue. In some cases, your account may be transferred to a legal collections partner, incurring additional costs.
Failure to repay the loan will be reported to credit bureaus, affecting your credit history for several years. It may also impact future loan applications with us.
To avoid these risks, please don’t apply if you have doubts about repaying the loan. It’s important to prioritize your financial well-being.
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