Fast credit, full transparency. Nothing hidden.
TrueLend is a digital-first short-term lender for all of South Africa. Every rand of interest and every fee is shown to you upfront, before you ever apply.
See exactly what a loan would cost
Move the sliders below. Every number comes from the same server-side calculation a real application would use — nothing is estimated on the page.
What a loan would cost
Calculated live by the server, using the exact same rules a real application would
Repeat clients pay a lower daily rate. Once we know you’ll pay us back, we’d rather earn less per loan and keep you as a customer.
See the breakdown
Based on the National Credit Act’s short-term credit agreement caps: interest up to 5%/month on a first loan or 3%/month on a repeat loan, an initiation fee capped at the lowest of R165 + 10% of the amount over R1,000 (max R1,050), or 15% of the loan amount, and a service fee capped at R60/month, pro-rated for the calendar month the loan starts in (so it's usually less than R60 for a loan this short).
Built to be checkable, not just trusted
Most of what makes a lender trustworthy isn’t a promise. It’s a rule you can verify for yourself.
Priced by law, not by us
Every fee you’ll ever see is capped by the National Credit Act. The calculator above calls the same server-side code a real application would.
Full transparency, always
Once you accept a loan’s terms, the total cost stays visible on your account for the life of the loan, with no surprise charges added later.
Digital-first, run by its own builder
The application, decisioning and repayment flow are built and maintained in-house, not outsourced to a template lender.