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What we do
SmartAdvance offers tailor-made financial solutions for your employees’ personal needs. We provide free financial education to enable good decisions.

How it works
Based on an employer smart assessment we create relevant, personalised financial products according to their needs.

What you get
Employer smart report
SmartAdvance generates in-depth reports on the financial status of your employees, based on their credit scores.

Employer dashboard
Employers have access to a personalised dashboard, showing which employees have accounts with SmartAdvance, their outstanding balances, and the option to review and approve staff applications for SmartAdvance products and services.

Debt rehabilitation
We offer employees rehabilitation loans to provide relief for over-indebtedness, bad judgements and administration orders, while reducing their monthly installments.

Credit scoring
We provide employees with credit score information and advice for improvement.

Education
Our free education modules teach employees core skills to improve their financial well-being.
SmartAdvance aims to enable clients to make sound financial decisions

Minimum and maximum period for repayment,
- 3 - 12 months

Maximum Annual Percentage Rate (APR) which includes interest rate plus all applicable fees and other costs for a year and
- 28% - 60%

Terms and conditions apply.
APR:24.5% to 60%.

Loan period: Minimum 3 months to maximum 12 months.

Should a client wish to pay up his loan before his term ends he/she will be able to do so without any penalty fees. Interest and fees outstanding will thus be calculated pro-rata.

Representative Example of loan: Loan amount R8 000, term 6 months, Annual Percentage Rate (APR) of 60%, plus Interest and Fees of R1 637.99 incl VAT and a monthly service fee of R69.00. Monthly instalment of R1 881.15 and total amount payable R11 286.90. Credit Cost Multiple: 1.3