Clear before you commit
See the amount, dates and total cost before you start an application.
About Persal
Short-term credit with the important details out in the open.
Persal is designed for South African government employees who need a clear, responsible way to bridge a short-term cash gap.
Work out your costs
A service shaped around real paydays.
We make short-term, payroll-linked loans simple to understand: you choose an amount and repayment date, see the cost upfront, and complete your application securely online.
We believe access to credit should come with straightforward pricing, affordability checks and people you can contact when things get difficult.
What guides us
Built for public servants
A focused service for South African government employees paid through Persal.
Responsible lending
Every application is assessed for affordability under the National Credit Act.
Need help before you apply?
Our support team can help with the application process and repayment questions.