Need cash today?  Apply before 5pm and get cash in your account in under {{ payoutMinutes }} minutes.
Loans up to R8 000

Money that moves
as fast as you do.

Scio Finance is short-term credit built for South Africa — apply from your phone, get a decision on the spot, and see the cash before you've made coffee.

All you'll need
  • A cellphone number
  • Your SA ID number
  • Bank account details
  • Recent proof of income
Build your loan
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Representative APR {{ aprFmt }} · initiation & monthly service fees apply. Credit costs money — borrow only what you can repay. Scio is a registered credit provider (NCRCP XXXXX).

How it works
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Why Scio

Short-term credit, without the runaround.

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Support

Common questions

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“I applied on my lunch break and the money was in my account before I got back to my desk. No branch, no paperwork, no drama.”
— Thandeka M., Durban

Cash in your account in minutes.

Credit costs money. Loans are subject to an affordability assessment and approval under the National Credit Act. Fees and interest are capped by law and shown in full before you accept.