Eligibility
Who qualifies for a SwiftBUX loan?
Civil servants paid through government or municipal payroll — teachers, nurses, police, correctional officers, soldiers, and municipal/government dept staff — earning at least R5,000 per month and not currently under debt review.
Can I apply if I am under debt review?
No. Applicants currently under debt review do not qualify for our products.
Loans
How much can I borrow?
Our personal relief loan is between R500 and R2,000, repaid via payroll deduction over up to 30 days.
Process
How long does approval take?
Qualifying applications are processed the same day. You'll receive a personalised quote based on your affordability shortly after submitting.
What documents do I need?
Your South African ID, your most recent payslip (for affordability verification), and a valid SA bank account.
Fees
Are your fees regulated?
Yes. All fees are charged strictly in accordance with National Credit Act regulations. There are no hidden charges.
Repayment
How do I repay my loan?
Repayment is collected automatically via your payroll. There are no direct debits and no risk of missed payments.
Insurance
Are my loans insured?
Yes. All SwiftBUX loans are insured through Universal Insurance, giving you and your family peace of mind.