SASSA Loans: Online Application Methods & Updates for 2025

We DO NOT offer any loans; we merely provide guides. Any website claiming to provide SASSA loans is fake. If in doubt, please contact SASSA directly at 0800 60 10 11.

Loans Guides

If you are not interested in SASSA loans, you might want to check our other loan guides. Remember, always verify any loan provider before sharing personal information.

Bursaries in South Africa

We do more than just loans. We are here to help students in need, too. Below are some of the latest bursaries that might help you pursue your studies.

Average Salaries in South Africa

If you are below the poverty line, you may qualify for a SASSA Grant. However, if you can afford loan repayments, it might be better to take out a loan, as loans are typically higher in amount and you can get a lump sum quickly.

About SASSA

The South African Social Security Agency (SASSA) was established in April 2005 to manage and distribute social grants and loans.

SASSA & Loans logo

SASSA & Loans is a website that is focused on providing guides related to SASSA, loans, and other social security topics such as the SASSA status check tool. We don’t provide any loans, we just provide guides.

SASSA loans are intended to offer a quick, smaller loan option that can help reduce poverty in South Africa. They can be pivotal for financial stability, especially for those who have minimal access to alternative funding.

SASSA Loans via Banks

Although SASSA itself doesn’t provide direct loans, the agency works with various banking partners to ensure people receive speedy and affordable services. Below are a few notable banks:

1. Shoprite

Shoprite provides affordable, unsecured loans at relatively lower interest rates. To apply:

Visit your nearest Shoprite Office in person.
Alternatively, add their number (+27600123456) to your contacts and send a message.

Follow their instructions to proceed with your loan application.

Documents Required:

Three months’ bank statements
Valid Identity Document
Proof of residence
Pay slip (salary or wage)

Shoprite Loans Application Guide

2. Finbond Loans

Finbond Mutual Bank offers a Finbond SASSA loan, which can be short-term or long-term. Loan amounts range from R500 to R20,000, with fixed interest rates. Repayment can stretch up to two years.

You must be 21+ and a South African citizen with your own bank account.
You can apply on the Finbond website by filling out the application form.

Documents Required:

Valid Identity Document
Three months’ pay slips
Three months’ bank statements
Valid proof of address
Contact details (cell phone number and email)
Monthly expenses documentation

3. Capitec

Capitec offers one of the lowest interest rates and monthly installments. You can get up to R250,000, plus credit insurance.

Capitec has an online application option and a mobile app for quick access to manage credit.

Documents Required:

Your latest consecutive salary deposit bank statement
Personal information (ID documents, name, surname, Marriage Certificate if married, Divorce order)
Latest pay slip or salary proof

Capitec SASSA Loan

Loan Application Guide Through SASSA Itself

SASSA provides a very flexible loan system if you need to borrow money. You can get from R250 to a maximum of R1000. You can easily repay it between one to six months. Applicants can also get an SASSA loan in the form of a child grant.

UPDATE: SASSA itself doesn’t provide any loans, you can apply for Shoprite or Capitec loans or apply for a SASSA Grant. Please take financial advice from a financial expert before applying for any loan.

You can easily apply for SASSA loans if you are a pensioner or taking any pensioner grant. There are a few requirements for SASSA loan applicants. You are eligible for an SASSA loan if;

You are a South African citizen.
You are at least 18 years old.
You have a valid Identity Document.
You are earning a consistent income.
You have a bank account in your name.
You receive grants from SASSA, like Old Age Pension or Disability Grants. (Do an SRD status check of your application to see if you are part of the SRD grant or not.)

While considering your application, SASSA will check your previous debts. If your debt-to-income ratio is according to their set limit, you can get the loan. The amount of loan you receive will be determined based on your current source of income.

SASSA Loan Application through USSD

If you have a disability or are otherwise unable to visit a SASSA office, you can use your cellphone to apply. This helps maintain social welfare and makes it easy for everyone to access the system. Follow these steps:

First, dial *130*3737*1# on your phone.
Next, enter your ID number and click on the calls button.
Then, you will get prompts to answer press one. they will get access to your credit check and bank statement.
Then, for security reasons, you must provide them with the PIN you got at the ATM.
Then, enter the total amount of your monthly expenses.
Finally, you will get to choose the particular grant or loan you are looking for. You will also know if your application was approved or declined instantly.

If this USSD code doesn’t work or you face issues, try 1203210# or 12069277# and follow the prompts.

SASSA Loan Application at SASSA Office

Applying at a SASSA office in person can speed up your loan or grant process. Keep these points in mind:

You must fill in your SASSA Application in the presence of any SASSA officer.
Applying for SASSA is completely free.
After submitting your application, you will get a receipt; please remember that this receipt is very important. If your application is approved, you will need to show this as evidence of your application.
If your application is rejected, you will be informed in writing.

You can appeal this decision within 90 days of rejection. You must do a written appeal to the Minister of Social Development stating your reason for appeal.

Secure Short Term Loans with Confidence: Empowering South African Citizens

SASSA Loans strives to be your trusted information hub for short-term financing programs in South Africa. Our goal in 2025 remains the same: empowering citizens by giving them access to the latest updates on SASSA grants, repayment plans, and safe financial practices.

Many South Africans rely on short-term loans for quick financial relief. Reputable loan lenders in South Africa include Shoprite, Finbond, and Capitec, which provide various options from unsecured lower-interest loans to higher loan amounts with credit insurance.

The African Bank is well-known for its personal loans, which can be customized to suit various financial needs. African Bank personal loans are a desirable choice as they provide flexible loan terms along with competitive interest rates. Their customer-focused approach and straightforward application process guarantee you will receive the assistance required to support your financial needs.

Furthermore, our website offers in-depth tutorials on utilizing short term loans to get quick financial relief. We work with reputable organizations like Shoprite, Finbond, and Capitec to assist you in considering your options. For example, Shoprite offers lower-interest unsecured loans, while Capitec offers larger loan amounts plus credit insurance. Finbond Mutual Bank provides loans with flexible repayment options and fixed interest rates suitable for both short and long-term needs.

Finding the right financial solution can be difficult, and that is where SASSA Loans offers the best guidance. We are committed to providing accurate information so you can make wise choices. Our guides ensure you are well-prepared to handle your financial needs responsibly by covering everything from loan application procedures to comprehending loan terms.

We work hard to provide you with expert insights and updates on the most recent SASSA grants and loan opportunities. Whether you are looking into African Bank personal loans or other loan lenders in South Africa, our mission is to help you locate the most suitable financial options for your circumstances.

It is important to keep in mind that we don’t offer loans directly. You can apply for loans directly from the official SASSA website.

Is SASSA giving R700 loans?

No, the R700 loan circulating on WhatsApp is a scam. Please avoid it.

Can pensioners get SASSA loans?

Yes, pensioners can apply for SASSA loans, particularly for improving their financial situation, though SASSA itself has ceased direct loan services. Check with Capitec, Shoprite, or other partners.

Can I use someone else’s bank account for SASSA money?

No, SASSA requires a bank account in your own name to prevent fraud.

Can SASSA borrow money?

Although SASSA manages multiple grants, it currently does not offer direct lending. You can seek a loan from banks like Capitec or Ithemba, or you can explore a SASSA grant if eligible

SASSA’s flexible instalment options have benefited numerous people. However, be wary of scammers posing as SASSA representatives. Verify any offers before sharing personal or financial details.

As we move forward into 2025, remember to stay informed and proactive. Whether you’re looking for short-term loans, want to apply for a bursary, or need guidance on social grants, SASSA & Loans is here to provide credible, updated information.

Also, don’t forget to check out a short biography of the SASSA CEO on our website for more insights into the agency’s leadership.