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.

TransUnion SA Experian SA ClearScore XDS

Checking your own credit report is a soft enquiry — it does not affect your credit score.

Full credit check

Independent application

Looking for finance outside your workplace?

You can apply directly with Badger Finance without going through your employer. All four supporting documents are compulsory for independent applications.

Start your individual application

Full nameMobile numberEmail address

Employer nameHR or payroll contact (optional)If your employer participates in payroll deductions, provide an HR or payroll contact so we can arrange repayments through your salary.Employer telephone numberEmployer street addressSuburbCityPostal code

Where do you work? (area)

Your affordability

We are required by the NCA to assess your affordability before approving any credit.

Employment statusMonthly take-home income (after tax)

Rent / bondGroceriesTransportUtilities (water, electricity)InsuranceSchool feesClothing accountsCellphone contract / prepaidInternet / fibreDStv / streamingChild maintenanceOther loan repaymentsMedical / healthOther

Total monthly expensesR0

How much would you like to borrow?

Choose an amount from R100 to R7,200 in R50 steps.

R3 600

R100R7,200

Over how long?

Choose a repayment period in days or months.

Days

1 day

1 day30 days

Months

Estimated repayment

R1 627/ month

PrincipalR3 600Initiation feeR425Interest (5% p.m., charged daily)R540Service feesR180Payment instruction fee (2.838% of instalment)R135Total repayableR4 880Term: 3 months

This is an estimate based on standard NCA rates. Your actual repayment will be confirmed in your credit agreement before you sign.

Supporting documents

All four documents below are compulsory. Your application cannot be submitted without them. Each file must be 5 MB or smaller (PDF, JPG, or PNG).

South African ID documentRequiredA clear photo or scan of your valid South African identity document (green ID book or smart ID card).Latest payslipRequiredYour most recent payslip showing your employer and net income.Three months bank statementsRequiredYour last three months of bank statements showing salary deposits.Proof of addressRequiredA municipal account (e.g. rates, electricity, or water bill) not older than 3 months. Bank statements are not accepted.

Accepted file types: PDF, JPG, or PNG. Maximum 5 MB per document.

I agree to be contacted by Badger Finance regarding my application.I have read and accept the Privacy Policy and consent to the processing of my personal information.I consent to a credit bureau enquiry being conducted as part of my application assessment.

FICA / FIC Act — required by law

I consent to Badger Finance verifying my identity as required by the Financial Intelligence Centre Act (FICA), including verification of my South African ID or passport.I acknowledge that Badger Finance is required by law (FIC Act s.21A) to screen applicants against Politically Exposed Persons (PEP) and sanctions lists, and I consent to this screening.

Badger Finance is a registered credit provider — NCRCP19928. All applications are subject to NCA affordability and credit assessment. Applying does not guarantee approval.

For employees

Is your employer not yet registered with Badger Finance?

Let us reach out to them on your behalf. We'll explain how a registered, NCR-compliant lender can replace informal or unregulated staff loans — with full transparency, no cost to the employer, and a simple payroll-deduction process. You just fill in a quick form.

No cost to your employerStaff loan takeover availableTakes less than 2 minutesWe handle the conversation

Refer your employer

Free, no obligation — we do the rest.