Who we are

Kusanda Capital (Pty) Ltd is a South African financial services company and registered credit provider dedicated to making innovative, fair and accessible lending a reality.

We exist to provide South Africans with credit products that solve real problems — designed with fairness, flexibility and dignity at their core.

Our mission is to help people take their next step — whether that’s paying school fees, accessing a medical procedure or covering life’s everyday costs — without falling into debt traps or facing unfair lending practices.

We don’t just lend money — we empower people.

Our Vision

To be South Africa’s most trusted name in fair, inclusive and innovative credit, empowering individuals and families to live better through financial access that respects their humanity.

Our Mission

To create simple, innovative and responsible lending solutions that restore financial dignity and open doors for those who are too often underserved or excluded from the formal financial system.

Our Fair Finance Philosophy

At Kusanda Capital, fairness is our foundation. We believe that everyone deserves access to credit that is:

Transparent: Clear costs, no hidden fees.
Accessible: Designed for real people with real challenges.
Human: Decisions made with empathy, not just algorithms.
Responsible: Fully compliant with South Africa’s National Credit Act (NCA) and best lending practices.

We call it Fair Finance — lending that uplifts, not exploits.

Our Products

Kusanda Capital builds purpose-driven credit products that meet the needs of ordinary South Africans in meaningful ways. Each product is built to address a specific area of life, offering access and dignity where traditional finance often falls short.

Skool Pay

Fair Education Financing for South African Families
Helping parents and guardians pay for school fees, uniforms, transport and other education-related costs — responsibly and affordably.

Loan range: R1,000 – R25,000
Repayment: 3–18 months
Purpose: School and education-related expenses

Because education should come first, not finances.

General Pay

Fair Short-Term Loans for Everyday Life
A quick, transparent and responsible lending solution for managing life’s everyday expenses — from emergencies and bills to small personal goals.

Loan range: R500 – R8,000
Repayment: Up to 6 months
Purpose: Everyday financial flexibility

Fair short-term credit when you need it most.

Our Commitment

We are committed to doing credit differently.
That means:

Charging fair, NCR-regulated rates only.
Ensuring clear communication on all fees and terms.
Conducting responsible affordability assessments for every client.
Partnering with reputable institutions — from schools to clinics — to ensure trust and safety.

Every Kusanda Capital product exists to make life a little easier — and a lot fairer.

Compliance & Integrity

Kusanda Capital (Pty) Ltd is a Registered Credit Provider under the National Credit Act (NCRCP22456), fully compliant with South African lending regulations.

We uphold the highest standards of transparency, data protection and responsible credit assessment to protect our clients’ interests and wellbeing.

Compliance, compassion and fairness — the three pillars of everything we do.

Our Promise

We promise to treat every customer as more than a credit score — to understand their story, respect their goals and build financial products that make progress possible.

Kusanda Capital – Fair Finance for Real People.