Terms of Use

By using CashToday.co.za ("the Website") you agree to these Terms of Use. Please read them carefully before using our service.

1. Our service

CashToday.co.za is a free loan comparison and referral service. We collect the information you provide and match it with credit providers registered with the National Credit Regulator ("NCR") in South Africa. We then present you with offers or refer you to lender websites where you can apply directly.

We are not a credit provider. We do not grant loans, make credit decisions, charge you fees, or hold any credit agreement with you. Any loan you take out is an agreement solely between you and the relevant lender, governed by the National Credit Act 34 of 2005 ("NCA") and the lender's own terms and conditions.

2. No cost to you — how we earn

Our service is entirely free for consumers. We may receive a commission or referral fee from lenders when you take out a loan after being referred by us. This compensation does not influence the interest rate or terms a lender offers you.

3. Eligibility

To use our service you must be at least 18 years old, a South African resident, and have a valid South African bank account. Lenders will apply their own eligibility and affordability criteria as required by the NCA.

4. No guarantee of approval

Being matched with a lender does not guarantee that your loan will be approved, or that a specific rate or amount will be offered. All lending decisions rest solely with the credit provider, based on their assessment of your affordability and credit profile.

5. Accuracy of information

You agree to provide true, accurate and complete information. Providing false information to obtain credit is a criminal offence. Estimated repayment figures displayed on the Website are indicative only — the exact cost of credit will be disclosed by your lender in your credit agreement and pre-agreement statement, as required by the NCA.

6. Responsible borrowing

Credit can be a useful tool, but late or missed repayments can lead to serious money problems, additional costs and a negative credit record. Only borrow what you can afford to repay. Under the NCA:

• Lenders must conduct an affordability assessment before granting credit;
• Interest rates and fees are legally capped;
• All costs must be disclosed to you before you sign;
• You generally have a 5-business-day cooling-off period on credit agreements signed at a location other than the lender's registered premises.

If you are over-indebted or struggling to keep up with repayments, contact the National Credit Regulator on 0860 627 627 or a registered debt counsellor for help.

7. Third-party websites

The Website contains links to lender websites and other third parties. We are not responsible for the content, terms or privacy practices of those websites. Applying through a lender's website is subject to that lender's terms.

8. Intellectual property

All content on the Website — including text, design, logos and code — belongs to CashToday.co.za or its licensors and may not be reproduced without permission.

9. Limitation of liability

The Website and service are provided "as is". To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of the Website, your reliance on information displayed on it, or any agreement you conclude with a third-party lender. Nothing in these terms limits rights you may have under the Consumer Protection Act or the NCA that cannot lawfully be excluded.

10. Changes

We may amend these Terms of Use at any time. Continued use of the Website after changes are published constitutes acceptance of the amended terms.

11. Governing law

These terms are governed by the laws of the Republic of South Africa.

12. Contact

Questions about these terms? Email support@cashtoday.co.za or use our contact page.