Bayport loans: how to apply and alternatives

1. Click “Apply now” on Bayport’s website to register or log in.
2. Or use Bayport’s WhatsApp self-service line on 087 287 4001.
3. For Bayport Money Solutions, call 087 287 4004 or ask your employer’s HR team.
4. Get a written quote. Check the total you will repay before you sign.

Bayport’s lines are open Monday to Friday, 08:30 to 17:00, and Saturday, 08:30 to 13:00. They are closed on public holidays.

If you are already struggling with debt, speak to a registered debt counsellor before taking a consolidation loan.

• Check the provider's NCR number on the NCR register. A loan-matching service must tell you which lender you'll sign with.
• Compare the total amount you will repay, in rand, not only the interest rate.
• On short-term loans, a first loan may cost at most 5% interest a month. Later short-term loans in the same year are capped at 3%.
• The initiation fee is capped at R165 plus 10% of the amount above R1,000, up to R1,050. It can never be more than 15% of the loan. The service fee is capped at R60 a month. VAT is added to both. See our responsible lending page.
• Apply to one or two providers at a time. Many applications in a short period can hurt your credit score.
• Already struggling with repayments? Talk to a registered debt counsellor before you borrow more.