How it works
Apply in 6 simple steps
The whole process takes around 10 minutes. Here's exactly what to expect.
Check eligibility
South African citizen or permanent resident, SA ID, 18+, employed or self-employed with a regular income.
Complete the form
Fill in your personal details, affordability information and employer details.
Choose your amount
Select how much you need (R100–R7,200) and your preferred repayment term.
Upload documents
Attach your ID, payslip, bank statement and proof of address (max 5 MB each).
Give consent
Agree to the privacy notice and authorise a credit check — NCA compliant.
Submit & wait
You'll receive a reference number immediately. We review and respond promptly.
Ready? Scroll down to complete your application below.
Check your free credit profile first
Before you apply, it's a good idea to know where you stand. All three South African credit bureaus are required by law to give you one free credit report per year — no card needed.
Checking your own credit report is a soft enquiry — it does not affect your credit score.
Employee application
A clear start to your finance application.
Complete a few details so Badger Finance can confirm the next steps available through your workplace.
Estimated repayment
R1 627/ month
Indicative estimate based on NCR maximum rates. Interest accrues at 5% per month, calculated daily on the outstanding balance (NCA s.100). Total cost of credit is capped at 100% of the principal — you will never repay more than twice what you borrowed (NCA s.101 / Reg 42). Fees: initiation fee (R165 + 10% of amount above R1,000, max R1,050), service fee R60/month, and a payment instruction fee of 2.838% of each instalment. Final terms are confirmed in your pre-agreement statement and signed credit agreement.