Cash advance

Your guide to the Wonga online cash advance in South Africa

Have you ever found yourself needing a little cash advance for a couple of days and felt frustrated because you're caught short right now? The car breaks down, your children get sick and the washing machine packs in, all in the same week! Stop stressing about it, the Wonga cash advance is here to help!

What are cash advance loans?

Cash advance loans provide you with cash deposited into your bank account which you can withdraw through ATMs or via your bank. This form of credit typically incurs an interest fee of the total amount being borrowed. The amount available for advance is known as the credit limit. Wonga offers cash advances of up to R4000 for first time customers and up to R8000 for existing customers, but the credit limits and interest rates vary between providers.

Why use Wonga for your cash advances?

Our cash advances offer a number of advantages:


Other types of cash advances (through a credit card for example) are subject to compound interest which will continue to accumulate for potentially long periods. With Wonga our terms and conditions are crystal clear and our short term loan product is repaid in a single repayment, there are no “interest on interest” charges. From the very beginning we provide you with options to see exactly how much cash you’re receiving, for how long and also show you the total amount that is payable by the end of the agreed period.


Wonga provides a completely online cash advance application process. Our website is available 24 hours a day, 7 days a week.

Wonga lets you choose your repayment date. If you know you’ll only need an online payday advance for a few days, we won’t force you to keep the loan longer than needed. We’re flexible because we understand life is unpredictable. We’re the bespoke cash advance company, made to fit you.

New customers can repay their loan up to 3 months, and existing customers can repay up to 6 months - meaning a Wonga cash advance offers freedom and flexibility. Want to repay your cash advance earlier? That’s not a problem with a Wonga cash advance as the interest stops on the day you pay back in full, and we won’t penalise you for doing so.

We’ve made the application process simple to follow and the whole application can be done on your smartphone with no fuss. We’ve made the repayment process automatic, so if you haven’t repaid by the final day of your loan (we encourage early repayment to save on interest) we will debit your account of the full amount to avoid any unintentional late repayments.


Wonga is the fastest online cash advance service in South Africa. You could have a Wonga cash advance in your bank account before you know it!

Depending on your Wonga trust rating, you can borrow up to R8000. When there's too much month at the end of your money, a Wonga cash advance is a convenient way to see you through. Remember, it's an online cash advance so there’s no queuing at the bank or faxing from the local internet café.

Our application process is streamlined to make gathering the information we need as quick as possible so we can get your cash advance loan decision to you fast. We pay out as rapidly as possible upon successful application - however how long it takes to appear in your bank account can vary depending on your bank.


Wonga is the leading fast payday advance provider in South Africa, and customer satisfaction is our highest priority. We ensure your information is handled with great care and remains well protected. We don’t share your information with anyone other than the third parties we perform checks with such as the credit bureau. As customers apply for a cash advance online via our website we’ve ensured that we operate to the very highest security protocols to keep you safe.

Is your service the same as a payday advance loan?

For all intents and purposes - yes. ‘Payday advance’ is another term that is typically used to describe this style of loan advance. You’ll also hear it referred to as the payday loan.

What information do I need to provide for my fast cash advance application?

First we need to know the basics. Using the sliders on the homepage, select how much money you would like to borrow and the date you would like to pay it back and Wonga calculates exactly how much the repayment will be before you apply.

After this we require information such as:

  1. Your personal details
  2. Your contact information
  3. Your employment details
  4. A summary of your regular monthly expenses
  5. Your latest payslip or bank statement

We use this information to determine whether or not you are a suitable candidate that can repay the loan within the agreed time period. Only borrow what you know you can afford to pay back on your selected repayment date.