Welcome to
Sincithi Loans
Our Loans Will Fill Your Dreams Come True
Loan Calculator
Estimate your loan repayment amount using our fee structure:
Summary of Interest
- Service fee: R5000 per month plus15% VAT
- Initiation fee: 7 months
- Interest Rate: 0.17% per day
- Annual Interest Rate (APR): 60%
- Insurance Premiunt: RA 50 per R00 per month based on daily balance.
Choose the amount you need
Complete the application form
Get approved within 24 hours
Get you money the same day
Quick and Convenient Loans – When You Need Them Most
At Sincithi Loans, we make borrowing simple, fast, and stress-free. Whether you need a small cash boost of R500 or a larger amount of up to R8,000, we’re here to help you bridge the gap.
Flexible Loan Options
Borrow from R500 to R8,000 based on your financial needs and affordability.
Fast Approvals
Our short-term loans are easy to apply for online — no long queues or paperwork.
Quick Payouts
Once your loan is approved, the money is deposited into your bank account within 24 hours.
We understand that life happens fast — and we’re here to support you with reliable, regulated short-term finance, right when you need it.
Easy Payment – Simple, Secure & Hassle-Free
At Sincithi Loans, we make repayments easy through a secure DebiCheck system.
- Once your loan is approved, you will approve a DebiCheck mandate — a secure debit order that ensures your repayments are automatically managed.
- On your salary payment date, the agreed repayment amount is safely deducted from your bank account.
- No need to worry about missing payments — we take care of it all for you.
This automated process gives you peace of mind, knowing that everything is handled securely and on time.
Quick & Easy Online Approval
Same-Day Loans — The Nitty-Gritty
At Sincithi Loans, we’re proud to be a fully accredited credit provider, registered with the National Credit Regulator (NCR). This accreditation allows us to legally and responsibly provide short-term loans to clients across South Africa.
Fully Compliant
We follow all NCR guidelines and South African credit laws.
Active & Trusted
Our services are up-to-date, transparent, and operated with integrity.
Fast Turnaround
We aim to get approved funds into your account within 24 hours.
With us, you’re not just getting a loan — you’re getting peace of mind backed by legal protection and ethical lending practices.
Maximum APR
Our maximum annual percentage rate (APR) is 60% — this keeps our costs fair and predictable.
Repayment Period
We offer flexible repayment periods between 61 and 65 days, giving you time to comfortably manage your repayment.
Secure Collection via DebiCheck
All loan repayments are safely collected via DebiCheck, a secure debit order system linked to your bank account.
Subsequent Loans
Any additional loans taken after the first one will be treated as a new loan, with the same rates and interest as your initial agreement.
Non-Payment Consequences
If you miss a payment:
- A service fee and monthly interest will be added.
- After two months of non-payment, your account will be handed over to an external debt collection agency.
- This will negatively impact your credit score, reducing your chances of qualifying for loans elsewhere in the future.
Short-Term Loans – Quick Help When You Need It Most
At Sincithi Loans, we offer fast and convenient short-term loans designed to help boost your budget and manage your cash flow when life gets a little tight.
We understand that you may have questions about how everything works — and we’re here to make it simple.
➡️ Explore some quick answers below or head over to our FAQ page for more detailed information.
Whether it’s for an unexpected expense, emergency need, or monthly gap, we’ve got you covered — responsibly and securely.