Our Services

Skool Pay

Skool Pay is an education-focused financing product by Kusanda Capital, created to help families manage school-related expenses without financial strain.

From tuition and uniforms to transport and stationery, Skool Pay provides affordable, short-to-medium term loans that make it easier for parents and guardians to keep their children in school — without turning to unregulated lenders or high-interest credit traps.

We believe that access to education should never depend on a family’s immediate cash flow. That’s why Skool Pay was built around fairness, flexibility and dignity.

Who It’s For

Skool Pay is designed for:

  • Parents and guardians who need support with school fees or educational expenses in pre-school, primary or high school.

  • Households with seasonal or irregular income (hospitality, retail, mining, gig work, etc.).

  • Families seeking safe, NCR-compliant alternatives to informal lenders.

How It Works

  1. Apply Online: Quick, paperless application process.

  2. Assessment: We review your affordability fairly under the National Credit Act (NCA).

  3. Approval: Once approved, your loan is processed swiftly.

  4. Payment: Funds are disbursed directly to the school, supplier or your account, depending on the arrangement.

  5. Repayment: Choose a flexible repayment plan that aligns with your income cycle.

What We Finance

Skool Pay can be used for a wide range of educational needs, including:

  • School fees (pre-school, primary, secondary)

  • Uniforms and stationery

  • School transport costs

  • Extracurricular activities and trips

  • Educational devices or resources (e.g., tablets, laptops)

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Fair Financing Features

  1. Loan Range: R1,000 – R25,000

  2. Repayment Term: 3 to 18 months (depending on loan amount)

  3. Interest Rate: Capped and compliant with the National Credit Act

  4. Transparent Costs: No hidden fees or confusing terms

  5. Direct Payment Option: Funds can go straight to the school or vendor or personal account

  6. Flexible Repayment Options: Structured around school terms or payday cycles

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Our Fair Framework

Kusanda Capital’s Fair Finance philosophy ensures that all lending under Skool Pay is done responsibly and transparently.

We are committed to:

  • Ensuring fair, affordable credit for families and caregivers

  • Offering clear repayment schedules with no surprises

  • Conducting ethical affordability checks

  • Never using predatory or fear-based marketing tactics

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Loan Details

  • Education & School Expense Loan

  • R1,000 – R25,000

  • 3–18 months

  • Regulated and capped as per National Credit Act

  • SA resident, 18+, valid ID, proof of income

  • Within 24–48 hours (on average)

  • Direct to school or supplier

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Responsible Lending

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

All loans are provided in full compliance with NCR regulations, ensuring that borrowers are treated fairly and never overextended.

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