Skip the queue.
Not the service.
Apply for a loan from your phone — no branch visit required. Upload your documents, get an instant affordability check, sign electronically, and you're done.
No ticket number. No waiting room. Your application starts the moment you tap apply.
Built for how our clients actually borrow
KS Loans started as a branch-based lender, with real counters and real conversations in Mahikeng and Rustenburg. We're moving that same relationship online — so getting help with cash flow doesn't have to mean a taxi fare and a queue.
- Local roots — decisions made by people who know Mahikeng and Rustenburg, not a call centre elsewhere.
- Registered and regulated — operating under the National Credit Act, not informal lending.
- Built to grow with our clients — from a first small loan to the wider services on our roadmap.
Five steps, zero branch visits
Every application follows the same ticket — from application to approval — so you always know exactly where you stand.
Apply
Online or on WhatsApp, in under 5 minutes.
Upload
ID, payslip and proof of residence, from your phone.
Affordability check
An instant, automated assessment of what you can afford.
Sign
Electronic contract, signed with your finger — no printer needed.
Approved
Funds paid out, debit order set up automatically.
Why clients choose to stay
Fast decisions
Automated affordability checks mean you're not waiting days for a call back.
Registered & compliant
Operating under the National Credit Act, with your documents protected under POPIA.
Local, not a call centre
Backed by real branches in Mahikeng and Rustenburg when you want to talk to someone.
Fully digital
Apply, sign and manage your loan from your phone — online or on WhatsApp.
Choose whichever is easiest
Online application
Fill in the full application on this site — documents, affordability check and signature included.
Send us a message and our team walks you through the application from your chat app.
Existing client?
View your balance, your statement, and manage your debit order in the client portal.
Open portalRegulated the way a lender should be
Extending credit in South Africa is a regulated activity. Here's what governs how KS Loans operates today, and what Stage 2 of our roadmap will add.
NCR registration
Registration with the National Credit Regulator under the National Credit Act has been compulsory for every credit provider, regardless of loan size, since November 2016.
NCR Registration No. — [insert]FICA (anti-money laundering)
As an accountable institution under the Financial Intelligence Centre Act, we verify client identity before lending and maintain a documented compliance programme.
FIC Reference No. — [insert]POPIA (data protection)
ID copies, payslips and proof of residence are personal information under POPIA — collected and stored only to assess and administer your loan.
FSP licence (FAIS)
Selling insurance products such as funeral or credit life cover will require registration as an authorised Financial Services Provider with the FSCA.
This page is a template — the fields above must be completed with KS Loans' verified registration numbers, and reviewed by a compliance professional, before the site goes live.