Transparent pricing before you apply.
Every cost should be visible before a client commits. This page summarises interest, fees, examples and regulatory caps for Ndzinga Capital credit products.
Fee comparison
Product pricing at a glance
| Fee | TaxiFare | Short-term loan | Personal Loan | PO Funding |
|---|---|---|---|---|
| Amount range | R500 - R2,000 | R2,001 - R10,000 | R2,000 - R100,000 | R10,000 - R500,000 |
| Term | 30 days | 30 days | 3 - 60 months | 1 - 4 months |
| Interest | 5%/mo daily accrual | 5%/mo daily accrual | 3%/mo reducing | 5%/mo daily accrual |
| Initiation fee | 15% (uncapped) | 15% (max R1,000) | 16.5% (max R1,080) | 2% (uncapped) |
| Monthly service fee | R69 (incl VAT) | R69 (incl VAT) | R69 (incl VAT) | R0 |
| Late payment | Per NCA | R0 grace | Per NCA | Per NCA |
| Early settlement | None | None | None | None |
Worked example
R5,000 personal loan over 3 months
Illustration at 3% per month reducing balance. Final terms are subject to approval and disclosure.
The monthly instalment shown is your regular repayment. The once-off initiation fee is added — interest-free — to your first instalment, on top of your regular repayments, which is why the total repayable is higher than the monthly instalment multiplied by the term.
NCA caps
Regulated fee limits
The National Credit Act prescribes maximum fees and interest rules for regulated credit agreements. The worked examples and calculator estimates remain illustrative until a formal affordability assessment and pre-agreement statement are issued.
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Pricing FAQ
Common pricing questions
Pricing varies by product. Short-term loans accrue interest daily at a fixed monthly rate; personal loans use reducing-balance pricing; PO funding may accrue daily based on the approved structure. All applicable fees are disclosed in the pre-agreement statement before signature.
Yes. All Ndzinga Capital credit products are priced within National Credit Act maximums for the relevant product category. The pre-agreement statement shows the exact rate and total cost of credit for your specific application.
An NCA-compliant initiation fee applies to all Ndzinga Capital credit products. The exact amount depends on the product and loan amount and is shown in the fee table above and the pre-agreement statement before you sign.
Yes. Under the National Credit Act, you can settle early and pay only the outstanding principal plus interest accrued to the settlement date — no early-settlement penalty applies.
Contact Ndzinga as early as possible. Missed payments can affect your credit profile and may attract charges in line with the credit agreement.