Flexible and Fast Loans

for that

haibó

moment.

calculate your repayment

How much

do you need?

3000
20
Fees due: (R)
Interest due: (R)

What is the fee structure? 🛈

Total repayment 

Please note that these are only approximate figures. All rates are calculated on a daily basis as stipulated by the National Credit Regulator. Please request a quote from us to determine the actual repayment amount and installment(s) should you wish to apply for a loan.

what we offer

Quick.
Easy.
Flexible.

Lower rates

Lowest rates in the market, with a transparent process which clarifies the total repayment upfront, with no hidden fees.

Quick and easy

An electronic application completed in minutes, allows for money to be in your account within 24 hours.

no collateral

Haibó loans are unsecured and entail no collateral or guarantee obligations.

Electronic activation

An NCR regulated and secure paperless electronic application allows for a prompt turnaround in pay-out of funds in your time of need.

early settlement

Early loan settlement will never attract penalties or fees, we actually encourage this if the opportunity presents itself.

trusted partner

Having been in the short term loans business for 15 years, we understand what is required and how to assist in your time of need. We will never try to extend terms or implement minimum payment requirements – The Haibó intention is to assist you in your time of need, and to get the loan repaid hassle-free.

about our company

Short Term⠀

Loans

For that Haibó moment.

The Haibó short term loan is intended to assist you when a cash flow top-up is required (potentially due to unforeseen circumstances), with fast cash advances for a few days or weeks. The simple Haibó process makes this possible and an application that can be completed in minutes, allows for money to be in your account within 24 hours.

First-time clients can qualify for R500 to R3 000 for up to 45 days, and existing clients for up to R8 000. The application, pay-out, and repayment processes are simple and your bank account will be debited on the agreed upon date.

Haibó loans with registered employers though the payroll system can result in favourable loans, rates, and increased terms.

What are

short-term Loans for?

01

Paying your bills

02

A Newborn baby

03

home improvement

04

Studying

05

Take a Vacation

We Use DebiCheck

The new fast and authenticated process of activating a loan contract between Haibo Finance and you.  Security and transparency at its best.

personal loans

easy 4-step process

a smarter loan

Is a

Short Term⠀

Loan

Right for you?

Like any form of debt, the onus is on the borrower to ensure timely repayment. Haibó has built a system based on trust and will never attempt to expose you to a scenario of over-indebtedness. We believe that the one hand washes the other, and although we do charge fees and an applicable risk-related interest rate on our loans, our intention is to assist in your time of need and ensure repayment of your loan. We will limit the amount of borrowings if it is in your best interest for us to do so.

Recurring clients rely on their track-record with Haibó and an unblemished record of prior loans and repayment, allows for an even simpler process if you are to return for further loans in future.

Please note that short term unsecured loans attract a risk-related interest rate and should not be confused with those of collateralised loans. As mentioned, our relationship is based on trust and we expect repayment on the agreed upon date. If you do not feel comfortable that the repayment will be easily made, please reconsider proceeding with your application.

our process

How

does it work?

01

Figure out your loan

Use the Haibó sliding scale and calculator to choose your loan amount and duration of loan.

02

Fill In the application

Complete the simple online application process and provide us with your cell phone number, proof of ID, proof of income/payslip, 3 months bank statements, monthly income and expenditure breakdown. We will provide you with a response within hours.

03

We verify your credit

We verify your income, affordability, and proceed with credit checks.

04

you get paid

Once approved, funds will be transferred into your bank account within 24 hours. The repayment date and amount will be agreed to upfront, please ensure that the funds are in your bank account to ensure a successful account debit.

what customers say

Haibó finance is a reliable and easy way to get cash, quickly.

d. nkosi - haibó finance customer

See what

you qualify for!

No cost or obligation to draw funds.
Take only what you need,
when you need it.

contact us

get in

Touch

Find out how to get in touch with Haibó Finance today.

working hours

Monday to Thursday: 08:30 – 16:30
Friday: 08:30 – 15:00
Saturday: 08:30 – 10:30

Fee Breakdown

Service fee R 60.00 per month

Initiation fee 15% on first R 1000.00, + 10% on any value above R 1000.00,
to a max of R 1050.00.

Interest rate is calculated daily Fees and Interest are based on regulation set out in
Chapter 5 of the NCA no.34 of 2005.

Please note that these are only approximate figures. All rates are calculated on a daily basis as stipulated by the National Credit Regulator. Please request a quote from us to determine the actual repayment amount and installment(s) should you wish to apply for a loan.