FatCatLoans Help Centre

At Fatcatloans.co.za we are always happy to answer any queries or questions that you may have. We have put together a list of the most commonly asked questions below. If you cant find the answer below get in touch using our contact form.

  • Do I need to pay any fees prior to obtaining my loan?

    No upfront fees (at any stage in the process) are required to obtain ANY type of loan through us. Our service is completely FREE to use. There are no hidden fees whatsoever.

    BEWARE OF FRAUDSTERS who pretend to be FatCatLoans, or ANY other lender on our panel that contacts you via email or phone asking you to pay them money/crypto-currency to get your loan paid out.

    FatCatLoans or ANY of our lenders will NEVER ask you to pay ANY loan processing fees to provide you with a loan. DO NOT pay ANY fees or charges whatsoever to ANYONE (no matter how convincing they seem) if you are asked to do so.

  • What is an installment loan?

    An installment loan is an amount of money provided by a lender to a borrower to use for any purpose. It is a loan that is repaid in equal installments over a period of time, usually within 3-36+ months.
  • What service does FatCatLoans provide?

    FatCatLoans is an introducer that provides its customers free access to a large panel of reputable South African lenders, all through a simple online application form. (You are under no obligation to proceed with a loan offer).
  • Am I eligible to apply for a loan?

    Each lender on our panel has unique criteria that they follow. However, the standard minimum set of requirements are that you are 18 years or older, a South African resident, have a regular source of income, and have an active bank account that allows direct debits. If you can meet these criteria, you would be eligible to apply for a loan.
  • If approved, how soon will I receive my funds?

    Applications made on weekdays that a lender accepts before 3 pm could receive your money on the same day. If your application is made after 3 pm or on a weekend or holiday, then it’s likely that you will only receive your funds the next working day.
  • Can I apply if I have a poor credit history?

    Yes, we have lenders on our panel that specialise in providing loans to people who have poor credit scores.
  • Will you do a credit check on my profile?

    FatCatLoans will not perform a credit check on your profile. However, if a lender accepts and proceeds with your application, they will carry out a credit check to assess your ability to repay the loan.
  • How much can I borrow?

    The lenders on our panel offer loans from R300 to R50,000. You may apply for an amount within this range.
  • How are repayments made?

    You must make your repayments through your debit card account via direct debit.
  • Do I need a bank account to apply?

    Yes, all lenders on our panel require that you hold a bank account in your name to allow for the loan repayments to be collected directly from your account.
  • What is an APR?

    APR stands for annual percentage rate and is a measure borrowers can compare credit charges.

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How It works

Instant cash loans South Africa

Easy online application

Apply for installment loans entirely online in under 7 minutes. Only basic information is required. No paperwork is needed.

Instant loan approval South Africa

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Instantly find out if you’re approved. We search multiple South African lenders in seconds to get the best installment loans online for you.

Easy online loans

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Once you’re connected to a lender and are happy to proceed with their terms, you could get up to R50,000 loans online today!*