Financial tools
Loan Calculators
Choose between TaxiFare, short-term, personal and business funding products before you apply. The controls change to match how each product is actually repaid.
R 500.00 - R 2,000.00
30 days
Advanced assumptions
TaxiFare
Mobile-first 30-day cashflow support for transport, petrol and urgent work needs.
Best on mobile. Desktop visitors can send the link to WhatsApp.
Affordability Assessment
NCA Affordability Rule
The National Credit Act requires that your loan instalment does not exceed a reasonable portion of your net disposable income. Industry standard is 70% of NDI. NDI is calculated as gross income minus living expenses and existing debt obligations.
Short-term loan (Daily)
Not available for this amount or term. This product covers R 500–R 10,000 over 30 days.
Personal Loan (Reducing)
Different products for different needs
Short-term loans cover R500–R10,000 over a fixed 30 days; personal loans cover R2,000–R100,000over 3 to 60 months. They suit different needs, so set an amount and term to see each product's cost — a like-for-like “cheaper” comparison only applies where both could serve the same request.
Comparison is illustrative. Short-term loans are a fixed 30-day product; personal loans run 3 months or longer. Actual eligibility depends on affordability and credit assessment.
How the calculators work
This page starts with the product, then shows only the fields that make sense for that product. TaxiFare stays mobile-first, personal loans use monthly terms, and business funding products show maturity-style repayment estimates.
TaxiFare
A 30-day, mobile-first Ndzinga Capital product for R500-R2,000. Mobile users continue directly into TaxiFare; desktop users get context before continuing on their phone.
Personal and short-term
Personal loans show monthly instalments in months. Short-term loans show total repayable over days, so the wording matches the product.
Business funding
Purchase-order and invoice estimates focus on repayment at maturity and estimated cost, not monthly instalments.
How the trade-offs work
For example, TaxiFare uses a fixed 30-day view and routes mobile visitors straight into the Ndzinga-hosted flow. A personal loan uses monthly terms and monthly instalments. PO funding and invoice discounting use repayment-at-maturity wording because that is how the client experiences the product. All figures are illustrative; final terms are confirmed during assessment.
Calculator FAQ
Questions about the calculators
No. The results are indicative estimates to help you plan. They are not an offer, a quote or a credit agreement. Your final amount, rate, term and fees are set during a full NCA affordability assessment.
No. The calculators run in your browser using the figures you enter. They do not run a credit-bureau enquiry and do not affect your credit record.
Different products are repaid differently. TaxiFare and short-term products show total repayable over days, personal loans show monthly instalments, and PO or invoice products focus on repayment at maturity.
It compares the income and expenses you enter to give an indicative view of what you may be able to repay. A formal application still applies the full NCA affordability assessment, including income and expense verification.
The estimate uses the figures and assumptions you enter. Your actual instalment depends on the approved amount, term, interest rate and fees set after document verification and the affordability assessment.
The calculators show core interest and instalment estimates. Statutory and product fees, and any optional credit-life insurance, are disclosed in your pre-agreement statement before you sign.
Important Disclosure
All calculations are estimates for illustration purposes only. Final loan terms, interest rates, fees, and monthly instalments are subject to a full credit and affordability assessment. Ndzinga Capital is a registered credit provider in terms of the National Credit Act (NCR Reg: NCRCP22127).