What We do


There is a large unbanked and under-banked population in South Africa which does not use formal banks or semiformal microfinance institutions. This presents an opportunity for us to offer an innovative range of high-quality, affordable financial products and services.Through our lending solutions we see ourselves as providers of interim finance and overdraft equivalent solutions for the under-banked and those looking to access and pay for goods and services.

Digital lending solutions

smartadvance offers online lending solutions of up to R12000, payable over 12 months depending on affordability.
The loan application process is completely online and entirely automated reducing human error.
Using AI models, decisions are made using client data.

Financial education and wellness

Free Credit Report

smartadvance is a responsible lender that not only assists people when they need a little extra financial help, but also believes in educating people to make financially sound decisions.

  • As a value add to our clients, we offer a free monthly credit report for them to get feedback on credit scores, financial history and spending habits
  • Not only is it important for clients to know their financial standing, but smartadvance aims to assist clients with minor changes that will improve their financial status.
smartadvance Finance Guide
  • Available to download from the website or on request, smartadvance clients get access to a quick and easy to understand guide on finance firsts, as well as a simple budget to assist in budget management and planning.

Full view of current and historical personal credit data | Accessibility to your credit profile allows deeper feedback on movement of credit score | Aid financial understanding and education based on spending habits | Help to financially rehabilitate blacklisted clients through our partners

Budgeting tool

Customers have the right to their own valuable data.

  • Using artificial intelligence and proprietary technology, smartadvance has developed an easy to use budgeting tool
    that gives customers their personal finances, in a simplified and easy to understand way.
  • The budgeting tool simplifies and displays the customers income, expenses and transactions to see where they
    can make improvements or changes to their spending habits.

Our Partners

hollard money
van shaik club logo