Personal loans
R2,000–R100,000 over 3 to 60 months on reducing-balance interest — see the instalment before you apply.
By South Africans, for South Africans.
Credit. Insurance. Capital.
Responsible lending and insurance enquiry pathways for individuals and families, and alternative investment for growing South African businesses.
Who is Ndzinga Capital
We are a woman-led South African financial-services business built on one idea: credit and cover should be understood before they are signed. We put the full cost, your affordability and your rights in front of you first — then guide every application through a regulated, POPIA-aware process.
Ndzinga Capital (Pty) Ltd is registered with the National Credit Regulator under NCRCP22127 and listed by the Financial Sector Conduct Authority as an authorised financial services provider under FSP number 55648. All applications are subject to NCA affordability assessment and POPIA-aware document handling.
Start here
What do you need today?
Choose the service you need, then move into eligibility, documents, affordability, insurance or advisor review.
Short-term loans
Smaller, short-term credit with a quick, guided application.
Personal loans
Responsible lending with guided affordability.
Purchase order funding
Business funding linked to verified orders.
Invoice discounting
Unlock cash tied up in unpaid invoices.
Insurance enquiry
Credit-life and funeral insurance enquiry pathways.
Guided route
Not sure what you need?
Answer a few questions and we’ll route you to the right product workflow.
How Ndzinga routes you
1
Check product fit
Tell us the need, amount and repayment context so we can point you to the right path.
2
Complete affordability
Submit income, expenses and supporting documents before any credit offer is made.
3
Review and sign
See the written quote, fees and next steps before you commit.
Already started?
Pretoria-based
NCR registered
POPIA aligned
FAIS authorised
Insurance pathways
Secure portal
Loan calculator
See what a loan really costs — before you apply.
Visitors can estimate repayments before they apply, then move straight into eligibility, document upload or advisor support.
Loan calculator
Choose the right product first
R
R 500.00 - R 2,000.00
Term
30 days
TaxiFare
Mobile-first 30-day cashflow support for transport, petrol and urgent work needs.
Total after 30 daysR 1,269.00
30-day costR 269.00
Term30 days
Best on mobile. Desktop visitors can send the link to WhatsApp.
How it works
From first enquiry to funded, in five guided steps.
Every credit journey follows the same transparent path, built around the National Credit Act and POPIA. You always see the cost and the terms in writing before you commit.
1
Tell us what you need
Check your eligibility online, or choose a path — a personal loan, purchase-order funding, or a capital or insurance enquiry that begins with an advisor. The eligibility check is indicative and runs no credit-bureau enquiry.
2
Share your documents
Submit your South African ID, proof of income and supporting documents through the secure client portal. Documents are handled under POPIA-aware consent, and every access is logged.
3
Affordability assessment
Every credit application goes through an NCA affordability assessment — a legally required check that you can comfortably afford the repayments — alongside a credit-bureau verification you consent to.
4
A clear offer, in writing
If your application is approved, you receive a pre-agreement statement and quote setting out the amount, term, interest rate and fees before you sign. Nothing is committed until you accept.
5
Disbursement and ongoing service
Funds are disbursed, or your insurance enquiry is routed to a suitable underwriter. You then manage agreements, statements, payments and renewals in the client portal.
Who we serve
Built for individuals, families and South African businesses.
Ndzinga Capital brings credit, capital and insurance into one client relationship, so the people and businesses we serve are not passed between disconnected providers.
Individuals
Salaried employees, self-employed earners, pensioners and grant recipients with regular, verifiable income can apply for short-term and personal loans, and enquire about credit-life or funeral insurance.
Families
Keep credit, insurance and an advisory relationship under one client record, so your Ndzinga disclosures, documents and advisor contact stay in one place.
Small businesses
South African SMEs can access purchase-order funding against verified orders from creditworthy buyers, with the amount and term set after purchase-order verification and a credit review.
How you're protected
Regulated lending, with your rights built in.
Ndzinga Capital (Pty) Ltd is a registered credit provider (NCR NCRCP22127) and an authorised Financial Services Provider (FSP 55648). That regulation is not just a badge — it sets out concrete protections you can rely on at every step.
An NCA affordability assessment before any credit offer, so you are not lent more than you can responsibly repay.
A written pre-agreement statement and quote disclosing the amount, term, interest rate and fees before you sign anything.
POPIA-aware handling of your documents and personal data, with the right to request access, correction or deletion where the law allows.
A structured complaints route, with onward referral to the National Consumer Tribunal or the FAIS Ombud where a matter is unresolved.
Frequently asked questions
About Ndzinga Capital.
Short answers to the questions clients and search engines ask most often about Ndzinga Capital. Full eligibility, product and repayment details live on the FAQ page.
Ndzinga Capital is a South African financial services brand offering responsible credit, alternative investment and insurance enquiry pathways for individuals, families and small businesses. The brand is NCR-registered (NCRCP22127) and FAIS-authorised (FSP 55648).
Ndzinga offers short-term loans, personal loans, purchase-order funding and invoice discounting under its NCA credit licence; growth capital for businesses; and funeral, credit-life and short-term insurance enquiry pathways. All credit applications are subject to NCA affordability assessment.
Start with the online eligibility check or apply directly on the website. Applications require valid South African identification, proof of income and supporting documents. Final terms are subject to affordability checks and credit-bureau verification under the National Credit Act.
Ndzinga Capital serves clients across South Africa from its head office in Pretoria. Services are delivered under South African regulatory requirements including the National Credit Act, FAIS and POPIA.
Ready to begin
Start with the financial solution that fits your need.
Apply online, check eligibility, enquire about insurance or speak to an advisor. Ndzinga will guide the next step.