4me provides employees with flexible access to their income via our integrated solution via your employers payroll system.

We offer:

We're here to help you tackle urgent cash flow needs quickly and easily.
No paperwork, no phone hold times, and no fuss - our entire process is online and the repayments are deducted from your payslip making it easy to manage and control.

Apply for a 4me Short term loan that fits your needs:

Use our easy online sliders to choose your loan amount and repayment term. We'll calculate the costs upfront, so you know exactly what to expect.
Repayment is simple: we are integrated with your employers payroll system and the dedication will appear on your payslip monthly. Once repaid, you're welcome to apply again whenever you need cash.

To qualify for a 4me Payday advance and Short term loan, you must:

Please only apply if you're confident in your ability to repay the loan on the agreed date. We prioritize responsible lending and want to ensure that our cash advances don't add to your financial stress.
As part of our instant decision process, we'll conduct a credit check to assess your creditworthiness and ensure that borrowing from us won't compromise your financial well-being.

At 4me, we offer flexible loan amounts ranging from R500 to R4000 for first-time borrowers, with the option to choose your loan amount and repayment term using our online sliders.
As you repay your loans responsibly, your 4me trust rating will grow, giving you access to larger loan amounts of up to R8000 and more flexible terms. However, please note that our trust rating is designed to promote responsible borrowing, and we reserve the right to adjust or limit loan amounts, or decline future applications, to protect your financial well-being.

Yes. As part of our automated decision-making process, we conduct a credit check to ensure we're lending to individuals who can afford to repay us without financial strain. Our advanced reference checking system is designed to promote responsible lending, and we prioritize honesty and trust alongside credit history.
Unlike traditional lenders, we focus on short-term financial reliability.
To increase your chances of approval, provide accurate and detailed information during your online application. Existing customers can update their details in the KYC section.

When you apply, our automated system will consider your existing credit commitments to ensure that taking on a new loan won't overextend you financially. However, if you're already struggling to meet your current financial obligations, we strongly advise against applying. Our loan will only add to your debt burden and must be repaid within a month. Instead, we recommend seeking the help of a registered debt counsellor in your area. You can find a list of qualified professionals on the National Credit Regulator's website or by calling 0860 627 627 for guidance.

4me provides payroll solutions which enable you are the employer to allow 4Me to offer responsible payday advances and short term loans to your employees with flexible access to their income.

We offer:

We're here to help your staff tackle urgent cash flow needs quickly and easily.
No paperwork, no phone hold times, and no fuss - our entire process is online and the repayments are deducted from their payslip making it easy to manage and control.

We handle all the administrative complexities, including intra-month salary payments, so you don't have to. Our seamless solution takes care of the heavy lifting, freeing up your time and resources.

4me easily integrates with most major South African payroll software providers, streamlining the process. Once integrated, we'll handle all administrative tasks, including activations, employee servicing, and month-end reporting. Don't worry if your payroll provider doesn't have an open API or you use Excel for payroll - we've got you covered! Our system can seamlessly absorb Excel flat files, ensuring a smooth experience for you and exceptional service for your employees.

4me provides a valuable employee benefit to your organization, completely free of charge, administrative burdens, and cash flow implications, allowing you to enhance your employee value proposition without incurring any additional costs or complexities.