NCR Registered NCRCP24036 · NCA Compliant

Get a loan
the smarter
way.

Payroll deduction loans from R500 to R50,000 for South Africa's workforce. Apply on WhatsApp in 5 minutes. Approved in 24 hours. Repaid through your salary — automatically.

Apply on WhatsApp For Employers →
R500–R50K
Loan Range
24hr
Approval Time
R0
Cost to Employer
1–6mo
Flexible Terms
💚 Quick Loan Estimate
Select loan amount:
R5,000
R10,000
R20,000
Select term:
1 Month
3 Months
6 Months
Est. monthly repayment
R5,950
Interest rate
~2.1%/mo
Estimated repayment via salary deduction. Final rate based on credit assessment. All loans subject to NCA affordability criteria.
Apply on WhatsApp
NCR Registered NCRCP24036 · NCA Compliant · Republic of South Africa
✦ NCR Registered Lender · NCRCP24036
✦ NCA Compliant
✦ Apply on WhatsApp
✦ 24-Hour Approval
✦ Zero Cost to Employers
✦ No Hidden Fees
✦ Auto Salary Deduction
✦ Loans R500–R50,000
✦ POPIA Compliant
✦ South Africa's Workforce
✦ NCR Registered Lender · NCRCP24036
✦ NCA Compliant
✦ Apply on WhatsApp
✦ 24-Hour Approval
✦ Zero Cost to Employers
✦ No Hidden Fees
✦ Auto Salary Deduction
✦ Loans R500–R50,000
✦ POPIA Compliant
✦ South Africa's Workforce
Simple Process

From application to cash
in three steps.

No branch visits. No mountains of paperwork. Just WhatsApp, your ID, and your payslip.

01
💬
Apply on WhatsApp

Message us on WhatsApp with your South African ID and latest payslip. Our team responds immediately. No app download required.

⚡ 5 minutes
02
✅
Get Approved

We assess your affordability based on your verified salary — not guesswork. No credit traps. A fair, transparent decision every time.

⏱ Within 24 hours
03
💸
Receive & Repay

Funds land in your bank account same business day. Repayments are automatically deducted from your salary. No missed payments. No stress.

🏦 Same business day
R500+
Minimum loan amount
1–3%
Default rate vs 8–15% industry average
R0
Cost to partner employers
16.5M
Formally employed South Africans we serve
For Employers

The staff benefit that
costs you nothing.

Financial stress costs South African businesses an estimated R15 billion per year in lost productivity. Zaris fixes that — at zero cost to your business.

  • 🏢
    Zero cost to your business Zaris bears all credit risk and administration. You simply process a monthly deduction file.
  • 📉
    Reduce absenteeism by up to 40% Financially stable employees show up, perform, and stay longer.
  • 🤝
    Improve staff retention A valued benefit that your competitors may not offer — a real differentiator in the talent market.
  • ⚡
    Up and running in under a day Simple onboarding. No system changes. We handle everything end to end.
Partner With Zaris →
Zaris Employer Dashboard
150
Eligible Staff
23
Active Loans
R0
Your Cost
Recent Activity
T. Dlamini
R5,000 · 3 months
Active
-R1,755/mo
N. Mokoena
R12,000 · 6 months
Active
-R2,210/mo
S. Mahlangu
R3,000 · 1 month
Settled
✓ Paid
✓ Next deduction file due 25 March · Auto-generated
Zaris
Good morning, Thabo 👋
Available to borrow
R15,000
Based on verified salary · R25,000/mo
💬 Apply via
WhatsApp
📄 My
Payslip
📊 My
Loans
Loan History
R5,000
3 months · Feb 2026
Active
R2,500
1 month · Nov 2025
For Employees

A loan that works
as hard as you do.

Access affordable credit through your employer — no branch queues, no loan sharks, no stress.

⚡
Fast Approval
Decision within 24 hours of application. Funds in your account same business day.
📲
WhatsApp Simple
Apply with just your ID and payslip. No app, no branch visit, no waiting room.
🔒
No Missed Payments
Repayment is automatically deducted from your salary. You never have to remember.
💚
Fair & Transparent
No hidden fees. No rollover traps. Full NCA disclosure on every loan, every time.
Apply on WhatsApp →
Eligibility

Do you qualify?

Zaris loans are designed for formally employed South Africans.

✅ You Qualify If...
  • ✓
    Permanently employed or fixed-term contract (6+ months remaining)
  • ✓
    Employed for at least 3 months with your current employer
  • ✓
    Your employer is a registered Zaris partner
  • ✓
    Monthly repayment does not exceed 25% of your net salary
  • ✓
    Valid South African ID document
  • ✓
    Active South African bank account in your name
⚠️ You Do Not Qualify If...
  • ✗
    Currently under debt review or administration
  • ✗
    Sequestrated or insolvent
  • ✗
    Your employer is not yet a Zaris partner
  • ✗
    Monthly repayment would exceed 25% of your net take-home salary
  • ✗
    Your employment is casual or irregular
💡 Not yet a partner employer? Ask your HR manager to contact us — we'll set up the partnership within 24 hours at zero cost.
Loan Calculator

Know your costs
before you apply.

Full transparency. Every fee shown. No surprises. NCA-compliant pricing on every loan.

R 5,000
R500R50,000
ℹ️
Loan under R8,000 · Short-term rate applies: 5% per month (NCA maximum for short-term credit)
Cost Breakdown NCA Compliant
Loan Amount Principal — deposited to your account
R5,000
Initiation Fee (once-off) R165 + 10% of amount above R1,000 · max R1,050
R565
Monthly Service Fee R60 per month · below NCA max of R69
R60/mo
Interest Rate 5% per month on reducing balance · NCA short-term rate
5%/mo
Credit Life Insurance 0.225% of outstanding balance/month (R4.50 per R1,000)
R22.50/mo
Total Interest Charged Reducing balance — charged on outstanding amount
R1,375
Total Cost of Credit Everything you pay back — principal + all fees + interest
R7,090
Monthly Salary Deduction
R1,418
for 1 month
Max 25% of your salary
R5,672+
minimum net salary needed
All figures are estimates. Final rates and fees confirmed upon application and are subject to NCA affordability assessment. Credit life insurance included on all Zaris loans. In duplum rule applies — total charges may never exceed principal amount.
Apply on WhatsApp Now
Impact & Sustainability

Banking on people.
Caring for the planet.

Zaris is built on a simple belief — that good business and good values are the same thing. Our ESG commitments are not marketing. They are how we operate.

Social Impact · S
🤝

Financial Inclusion

Zaris exists to bring formally employed South Africans into the dignified, regulated financial system — away from mashonisas charging 50% a month and toward affordable, transparent credit that builds rather than destroys financial health.

  • Serving 16.5M+ formally employed South Africans
  • Replacing predatory informal lending
  • Mandatory NCA affordability assessments prevent over-indebtedness
  • Employee financial wellness programmes
  • Reducing absenteeism and productivity loss in the workplace
Environmental · E
🌱

Green Commitment

Zaris operates with zero physical footprint — no branches, no paper, no unnecessary travel. And we go further: every loan approved plants a tree, and we offer preferential rates on verified green purchases.

  • 100% Paperless — all applications digital via WhatsApp
  • 1 Loan = 1 Tree — partnering with GreenPop & Food & Trees for Africa
  • Zaris Green Loan — preferential rates for solar, appliances & green transport
  • No branch network = no building energy footprint
  • Remote-first team reduces commuting emissions
🌿 Zaris Green Loan
Applying for solar panels, an energy-efficient appliance, a bicycle, or other green purchase? Get a preferential rate — 0.5% lower than our standard rate. Just tell us what you're buying.
Governance · G
⚖️

Transparent Governance

Zaris operates to the highest standard of South African consumer credit regulation. We don't just meet compliance requirements — we use them as a baseline and go further.

  • NCR Registered Credit Provider — Reg. No. NCRCP24036
  • Full NCA compliance — Section 103 interest and fee caps
  • POPIA compliant data handling and privacy
  • Mandatory disclosure of all fees before signing
  • In duplum rule honoured — charges never exceed principal
  • B-BBEE aligned — transformation through financial inclusion
  • Credit bureau reporting — building borrower credit history
🌳
1 Loan = 1 Tree
For every loan Zaris approves, we plant one tree in South Africa through our partnership with Food & Trees for Africa and GreenPop. A small act. A lasting impact.
0
Trees Planted
(and counting)
🇿🇦
Planted in
South Africa
CO₂
Carbon
Offset
FAQ

Everything you need
to know.

Can't find your answer? WhatsApp us directly.

Zaris offers loans from R500 to R50,000 depending on your salary and affordability assessment. The maximum monthly repayment is capped at 25% of your net take-home salary to ensure you are never over-indebted.
Once your application is approved — which typically happens within 24 hours — funds are disbursed to your bank account on the same business day. The entire process from WhatsApp message to money in your account can happen in under 24 hours.
Your repayments are automatically deducted from your salary before it reaches your account — exactly like a tax deduction. You never need to remember a payment date or set up a debit order. It is handled entirely through your employer's payroll system.
Absolutely nothing. Zaris is a completely free benefit for employers. We bear all credit risk, handle all administration, and manage all customer service. Your HR team simply processes a monthly deduction file — which takes minutes.
Yes. Zaris is a registered credit provider under the National Credit Regulator (NCR), registration number NCRCP24036, and fully compliant with the National Credit Act (NCA) of 2005. All loans include mandatory NCA disclosure, credit life insurance, and affordability assessments. We are also POPIA compliant.
All Zaris loans include credit life insurance that covers the outstanding balance in the event of retrenchment, permanent disability, or death. In the case of resignation, Zaris will work with you to arrange an alternative repayment schedule. Your employer contract also includes provisions for this scenario.
Just two documents: your valid South African ID (green book or smart card) and your most recent payslip. That's it. No bank statements, no proof of residence, no lengthy forms. Send both to us on WhatsApp to get started.
Ask your HR manager or Finance Director to contact us at lindam@zaris.co.za or 061 427 4515. We can set up the employer partnership in less than 24 hours at absolutely no cost to your company. Once registered, all employees become immediately eligible to apply.
Get Started Today

Ready to pay smarter?

Join thousands of South Africans accessing fair, fast, affordable credit through their employer.

👤
I'm an Employee
Apply for a loan in 5 minutes on WhatsApp. Need your ID and payslip. That's it.
Apply on WhatsApp
🏢
I'm an Employer
Partner with Zaris and give your team access to fair credit — at zero cost to your business.
Email Us →
Or call: 061 427 4515