Cash loans you can smile about.
A Cheez loan is a slice of what you need, paid into your bank account. Plain terms, real people, and the whole price shown before you sign. You repay in fixed amounts you agreed to, and nothing gets added later.
How it works
Three steps. No maze.
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1
Ask for your slice
Tell us how much you need and when you get paid. It takes a few minutes on your phone, and you talk to a person, not a form that goes nowhere.
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2
We check properly
A real person looks at what you can afford, as the National Credit Act requires. You get a straight answer. If it is no, we tell you why.
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3
Your slice arrives
The money goes to your bank account. You repay in fixed monthly amounts, and the total never moves after you sign.
What it costs
The whole price, before you sign.
Interest and fees sit inside the caps set by the National Credit Act. Before you accept anything, your quote shows one number: the total you will repay. That number does not move after you sign.
And one thing most lenders will not say out loud: your interest never compounds at Cheez. If a month goes wrong, unpaid interest waits as arrears. It does not grow interest of its own.
Price your slice
| Interest | R50.00 |
|---|---|
| Initiation fee, once | R172.50 |
| Service fee | R69.00 |
| Total to repay in 30 days | R1,291.50 |
| Each extra month adds | R119.00 |
Interest at 5% a month, with initiation and service fees inside the National Credit Act caps, VAT included. Extra months carry interest and the service fee only, never a second initiation fee. Your quote shows your exact numbers before you sign.
Why we exist
Everyone needs a slice sometimes.
School fees land in the same week the car breaks. Payday is ten days away and the fridge is empty today. Borrowing is not a failure. It is how most of us get from one month to the next.
We built Cheez so that asking feels like asking, not begging. No small print doing heavy lifting, no shame at the counter.
- NCR registered lender
- Every cent on your statement
- Real people answer the phone
Questions
Straight answers.
What do I need to apply?
Your South African ID, proof of income, and a bank account in your name. That is the whole list.
What happens if I cannot pay on time?
Call us before the date and we work out the month together. Unpaid interest waits as arrears. It never compounds, so a bad month does not snowball into a bad year.
Can I repay early?
Yes, any time. You pay interest only up to the day you settle. Early repayment is your right under the National Credit Act, and we like it when you use it.
How big can my first slice be?
That depends on what you can comfortably afford, which we work out with you from your income and expenses. Repay on time and your ceiling grows.
Can I borrow more than R8,000?
No. Cheez slices run from R500 to R8,000. A bigger loan falls under different National Credit Act rules, with interest capped near 28% a year, and the right door for one is a bank or a registered personal-loan lender. One warning worth keeping: any lender quoting you a monthly rate like 30% on a loan that size is breaking the law. Walk away.
Is my information safe?
Yes. We use your information to assess your application and run your loan, nothing else. We do not sell it, and we protect it as POPIA requires.
Ready for your slice?
Apply in a few minutes. A real person picks it up from there.