Our Services

General Pay

General Pay is a short-term credit product by Kusanda Capital, designed to help South Africans meet everyday financial needs quickly, responsibly and fairly.

Whether it’s an unexpected bill, urgent repairs or a small goal you want to reach, General Pay gives you access to the funds you need — without unnecessary red tape or hidden costs.

We believe that short-term lending should be transparent, accessible and human, helping people move forward rather than fall behind.

Who It’s For

General Pay is designed for hardworking South Africans who:

  • Need quick access to short-term funds for personal or household expenses.

  • Work in hospitality, retail, mining or service industries with regular income.

  • Value clear repayment terms and fair rates.

  • Prefer a trusted, registered credit provider over unregulated lenders.

How It Works

  1. Apply Online: Quick, simple and paperless — just a few details needed.

  2. Get Approved: We assess your affordability fairly under the National Credit Act (NCA).

  3. Receive Funds: Once approved, your loan is paid directly into your account.

  4. Repay Easily: Choose a flexible repayment plan that suits your next payday cycle.

What We Finance

General Pay is for life’s everyday moments — planned or unexpected.

Examples include:

  • Emergency or family expenses

  • Medical or school-related costs

  • Home or car repairs

  • Utility arrears

  • Small personal projects or goals

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Fair Financing Features

  1. Loan Range: R500 – R8,000

  2. Repayment Term: Up to 6 months (in line with NCR short-term credit stipulations)

  3. Interest Rates: Capped according to National Credit Act limits for short-term loans

  4. Transparent Fees: No hidden charges or inflated admin costs

  5. Quick Disbursement: Funds typically released within 24 hours of approval

  6. Responsible Lending: Loans matched to your actual affordability

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Our Fair Framework

Kusanda Capital’s Fair Finance philosophy ensures that every client is treated with respect and transparency.

We’re committed to:

  • Offering clear loan terms with no surprises.

  • Conducting honest affordability checks to prevent debt traps.

  • Charging interest and fees strictly within NCR limits.

  • Providing open communication before, during and after your loan.

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Loan Details

  • Short-Term Loan (as per NCR definition)

  • R500 – R8,000

  • 1–6 months

  • Capped as per National Credit Act (up to 5% per month on declining balance)

  • SA resident, 18+, valid ID, regular income

  • Within 24–48 hours (on average)

  • Direct to client’s bank account

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Responsible Lending

General Pay is a product of Kusanda Capital (Pty) Ltd, a Registered Credit Provider under the National Credit Act (NCRCP22456).

We follow all NCR regulations for short-term loans, including interest and fee limits, fair assessments and transparent disclosures.

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