MPOWA Finance Finance
Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the SA and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: 0861 228 228
Mon - Fri: 7:00 to 16:00
Last Sat Each Month: 8:30 to 11:30

MPOWA Finance stands out as an online microfinance company that excels in providing rapid loan decisions and swift processing times. MPOWA has simplified the process, enabling you to secure a loan of up to R8000 within a single day through straightforward and expedited procedures. With MPOWA, you’ll enjoy the convenience of automated online services, eliminating the burden of excessive paperwork and granting you access to a payday loan faster than ever before.

MPOWA Finance

MPOWA offers a range of loan options, each accompanied by flexible payment terms and interest rates tailored to suit your financial situation. To ensure the legitimacy of operations for both MPOWA and its clients, advanced systems like DebiCheck are employed.

Moreover, MPOWA boasts positive reviews on platforms like Hello Peter, with an impressive 60% rate of 5-star reviews. The application process is hassle-free – just complete a simple online form, and within a day, your financial needs can be met. Don’t let financial constraints weigh you down before payday; visit the MPOWA website today and secure the funds you need to ease your journey ahead.

Loan parameters
  • Loan amount
    R50 - R8,000
  • Interest
  • Term
    1 - 12 months
  • Age
    18+ years

Why Choose Mpowa Loans Online?

  1. Speedy Processing: With Mpowa Loans Online, you can say goodbye to long waiting times. Our streamlined application process ensures that you get a fast response to your loan request.
  2. Flexible Repayment Options: We understand that everyone’s financial situation is unique. That’s why we offer flexible repayment plans tailored to your needs and budget.
  3. No Collateral Required: Worried about putting up collateral? With Mpowa Loans Online, you can secure a loan without the need for assets or guarantors.
  4. Transparent Terms: We believe in transparency. You’ll always know the terms and conditions of your loan agreement, including interest rates and repayment schedules.
  5. Online Convenience: Apply for a loan from the comfort of your home or office, 24/7. Our user-friendly online platform makes it easy to submit your application.
  6. South African-Focused: We specialize in serving the unique financial needs of South Africans, making us a reliable choice for local borrowers.

Apply for Mpowa Loans today and experience a straightforward, reliable, and efficient way to secure the financial support you need. Whether it’s for unexpected expenses, debt consolidation, or any other financial need, Mpowa Finance is here to help you take control of your finances.

How does Mpowa Finance work?

The application process for a Mpowa Finance personal loan unfolds as follows:

  1. Apply for a Loan: If you’re a first-time applicant, you’ll need to create an account before completing the online application. For existing customers who have previously repaid their loans, a simple log-in suffices. It’s important to note that applications for same-day loans should be finalized by 3 PM.
  2. Sign and Upload Documents: After applying, Mpowa Finance will send you a loan contract via email. You must sign this contract and return it along with your three most recent payslips or bank statements.
  3. Cash Transfer: Following this, you’ll receive a call to record a voice confirmation of the loan contract details. Subsequently, the loan amount will be credited to your bank account by 5 PM.
  4. Repayment: Repayment entails settling the entire loan amount in a single installment on your upcoming payday, facilitated through a debit order that you have authorized. Failing to adhere to this agreement may have a significant impact on your credit score.
MPOWA Finance

Does Mpowa have a Loan Calculator?

A loan calculator proves to be an invaluable tool for estimating your loan repayment period and installment amounts. It’s essential to note that these calculations provide approximate figures, offering you insight into your upcoming months. These are approximations because the interest rate will ultimately depend on your financial situation. The stronger your credit history, the lower the interest rate you can secure.

Notably, Mpowa’s website lacks a loan calculator feature. However, we offer a solution. On our website, you can compare various loans from different banks and online credit providers. You don’t need to disclose any personal information; simply input the desired loan amount and the expected repayment duration. This tool empowers you to compare offers and select the most suitable one. The best part is that you can kickstart the process by clicking «Quote Now».

Tips to make sure you can afford your MPOWA loan

Prior to obtaining a loan in Mpowa, it is prudent to conduct thorough research and assess whether it would positively or negatively impact your financial standing.

Make certain that you fully comprehend the terms and conditions to which you are consenting and are aware of the applicable interest rate. It’s highly advisable to formulate a repayment strategy that enables you to settle the loan promptly, typically within a few weeks. While a payday loan offers rapid relief, with proper planning, even a small amount can yield substantial benefits in the long run.

What type of loans does Mpowa Finance offer?

Mpowa offers short-term loans with the following key characteristics:

  1. Payday Loans: Mpowa provides loans for a duration of one month, primarily intended as a swift solution to address short-term financial challenges. Payday loans typically carry higher interest rates compared to most personal loans, making them more suitable for emergency situations. If your financial need is not urgent, a personal loan might be a better choice, even though the approval process may take longer.
  2. Online Application: Mpowa Finance is a fintech lender that leverages technology to provide cash loans to eligible South Africans. Applicants can apply online using any internet-connected smart device, ensuring a convenient and accessible application process.
  3. Qualification Requirements: Individuals in South Africa who are at least 18 years old can apply for Mpowa loans, provided they have been employed at the same workplace for a minimum of three months and can demonstrate their ability to meet the loan’s repayment terms.
  4. Loan Usage: While technically the loan funds can be used for various purposes, it’s important to remember that payday loans are intended for urgent financial needs. These funds are meant to bridge the gap until your next payday and should be used accordingly.

Mpowa Reviews

Each individual’s experience is distinct, resulting in a range of diverse product comments. Similarly, when it comes to Mpowa, feedback varies, encompassing both positive and negative reviews. However, in the digital realm, distinguishing authenticity can be challenging.

Perhaps the most reliable approach to accessing genuine and current opinions is by consulting individuals within your personal network. Do you have acquaintances who have previously obtained a loan from Mpowa? Reach out to them to gain insights into their experiences. If you’re inclined, you can also share your own feedback with us by leaving a comment below, contributing to the collective knowledge.

How can I get in Contact with Mpowa Loans?

Mpowa Finance offers a variety of contact options to ensure you can easily reach out to them with inquiries or concerns. Here’s how you can get in touch:

  1. Contact Form on the Website: Visit their website and complete the contact form, providing your name, cell phone number, email address, and your message or query.
  2. Phone: You can reach Mpowa by dialing 0861 228 228.
  3. SMS: Alternatively, you can send them an SMS at 083 736 0165.

During those challenging months when making ends meet seems difficult, there’s no need to stress. Mpowa is there to assist you with a loan that can help you keep moving forward. In this article, you’ve learned about the loan amounts available and the qualifications required. If you find yourself in a tight financial situation this month, consider applying for a payday or personal loan with Mpowa to resolve your financial challenges.


When will the funds be deposited into my account?

You can expect the funds to be deposited into your account on the same day at 5 PM

How long does the entire process take?

Mpowa Finance is to ensure that you receive the funds on the same day, provided we receive your required documents and successfully complete an employment verification on the same day.

How do you collect repayments?

Mpowa facilitate repayment through a debit order that you authorize.

How can I request an increase in my loan amount?

You can apply for an increase in your loan amount once you have successfully repaid at least three previous loans.

What should I do if my banking or employment details change?

It’s important to notify Mpowa Finance of any changes to your banking or employment details BEFORE your payday. Failure to do so may have a severe impact on your credit record.

Your comment

Fast and Easy Loans Online
Fast and Easy Loans Online
Ready? Get it only in 5 minutes!


Janet Els
I use the services of this site when I need money before payday. It is issued quickly and has no hidden surcharges.
Tebogo Mnisi
I use not the first time. Convenient conditions for obtaining a loan online. I can recommend!
Judith Barnes
The money was urgently needed before payday. The application took 15 minutes. Terms are transparent with no hidden fees.
Apply Now

Applying does NOT affect your credit score!

No credit check to apply.