6.6/10
Our Score
Rating Breakdown
77 reviews
✓ Verified
🛡️ Our Honest Take
Let's start with the number that jumps out. CiTi Cash Loans advertises an interest rate of 5% per annum. For a short-term lender, that is genuinely low. Most short-term credit providers in South Africa charge rates that, when you factor in initiation fees and monthly service fees allowed under the NCA, translate to effective costs far above that. So either CiTi Cash Loans is unusually competitive, or there are fees you'll want to scrutinise carefully in the actual loan agreement before signing.
To give you a rough sense of costs at face value: on a loan of R5,000 over 180 days at 5% per annum, you'd be looking at interest of around R123 for the period. That's a very low number compared to what competitors often charge. But always check the total cost of credit figure in the agreement, not just the interest rate, because initiation fees and monthly admin fees are separate line items under South African credit law.
The repayment flexibility is one of the better things about this lender. One day to 180 days is a wide range. You can borrow R500 for a week or R9,000 for six months. That kind of range works for very different situations, which is not always the case with short-term lenders who lock you into 30-day cycles.
So what do customers actually say? Based on the 69 reviews we collected, the trust score sits at 8.7 out of 10. That's a solid result. Complaints about payout speed or customer service are not a dominant pattern in the feedback, which suggests the day-to-day experience is reasonably smooth.
Is it the best short-term lender in South Africa? No. At number 12 out of 37, it's in the top third but not at the top. The absence of a first-loan-free offer is a missed opportunity when competitors use it to attract new borrowers. Our score of 6.4 out of 10 reflects a provider that does the job but doesn't do anything spectacular. Compare a few others before you decide.
Latest Reviews (showing 40 of 77)
Quick, Efficient and The best I have used so far
I have been using them for some time now and they are always fast and efficient, making sure we get money on time. Of late it has been Mpumi helping me and I want to thank her very much for her efficiency and friendliness and willingness to help me get sorted quickly.
Very legit 100% good...
Very legit 100% good service and very reliable so perfect
Andile deals with your application in a very fast and efficient manner
Andile deals with your application in a very fast and efficient manner. Brilliant service.
The service is absol...
<div>The service is absolutely outstanding, the consultant make sure I do receive Money in time. he service from Shereen is absolutely outstanding, </div>
Citi Cash Loans give...
Citi Cash Loans gives the best service ever and it's very convenient
Very supportive, have a good communication, and understand, I love CiTi Cash, I would like to advise others to use citi cash
Very supportive, have a good communication, and understand, I love CiTi Cash, I would like to advise others to use citi cash. Thank you
Very Friendly and fa...
Very Friendly and fast Service From Beanca at secunda Branch
They where friendly ...
They where friendly and they didn't ask much they where fast as well.
Shereen assisted in ...
Shereen assisted in a fast and effective manner and was easy to deal with
Shereen was friendly...
Shereen was friendly and I'm a happy customer Thank very much
CiTi Cash Loans they...
CiTi Cash Loans they help you immediately nd they don't take time to respond.. Great service indeed.
It was and Shereen w...
It was and Shereen was very kind at helping me with the loan
Fast and Very Effect...
Fast and Very Effective and Reliable Financial Institution I have ever dealt with and a special shout-out to Shereen she's very kind and welcoming
Great experience and...
Great experience and wonderful service from Shereen, made the process easier and got the help I needed
Very low interests ,...
Very low interests , staff are fast to assist and get apply at the comfort of my own home
I got an amzing expe...
I got an amzing experience and Shereen was alot of help,thank you keep it up
CITI cash loan is a ...
CITI cash loan is a good loaner and it's easy and fast ,same day approval I'd recommend it to lot of people in need for loan..
exceptionally servic...
exceptionally service from the consultant,special call to Shereen the best service giver,thanks!
I received a warm we...
I received a warm welcome on my first day Their service is perfect The interests are good Shereen she is perfect, good communication skills
It was an amazing ex...
It was an amazing experience I had,your consultant Shereen was helpful
Shareen Angel Sibiya...
Shareen Angel Sibiya her service is exceptional and very quick interest rate is reasonable aswell
Bianca was very help...
Bianca was very helpful and always nice , always happy to help
Great service , always going the ekstra mile to ensure customer satisfaction is met
Great service , always going the ekstra mile to ensure customer satisfaction is met. Thank you Barbara for assistance
They are quick and f...
They are quick and friendly they really provided me a good service everytime I need help
Andile is always fantastic and really helpful
Andile is always fantastic and really helpful. The application process is very smooth and quick. If you have all your documents then with in minutes everything will be processed and done. Thank you Andile!😁
The service is so ma...
The service is so marvelous the guys there have a good heart treat people correctly
Citi cash loans has ...
Citi cash loans has helped me through alot of my sticky situations when I needed them fast affective quick to respond
I have received a great experience
I have received a great experience. Shareen was very helpful, and they managed to sort the problem I had in no time keep it up citi cash loans
Just perfect and ver...
Just perfect and very quick especially Themba and Shereen, customer service top notch
Friendly, fast and v...
Friendly, fast and very helpful services they offer to clients
Andile is always res...
Andile is always responsive and easy to communicate with, and I'm overly pleased with services
Bianca is altyd baie behulpsaam, vinnige diens
Bianca is altyd baie behulpsaam, vinnige diens. Maar ek moet sê almal met wie ek al daar gewerk het het baie goeie diens gelewer.
I am very pleased wi...
I am very pleased with the friendly, quick and very efficient assistance received from this entity.
The experience was Fast and efficient
The experience was Fast and efficient. Great to deal with.
I always receive the best service from CITI Cash Loans, specifically Andile who assists me
I always receive the best service from CITI Cash Loans, specifically Andile who assists me. Always quick to respond and very helpful 👌 all the time🙏🏾
Bianca has been a pl...
Bianca has been a pleasure to work with, convenient and speedy
Excellent support from Bianca at the Secunda office
Excellent support from Bianca at the Secunda office. Friendly and helpful. She is a real asset to your business.
Best customer service with a smile
Best customer service with a smile. No hassle, no fuss. Just quick, reliable service that I would recommend to anyone.
Miss estie and piete...
Miss estie and pieter at Evander branch is excellent at there work always willing to listen and always willing to help if every one was like them this company will fly high thanx pieter and thanx estie u guys r heros
Hey there its Klasie i just wanna rate a full 10 out of 10
Hey there its Klasie i just wanna rate a full 10 out of 10. All of them is always friendly and help fast. Bianca went out of her way to help me on a Sunday. Thanks a Million
Want to see loan conditions?
Check interest rates, requirements and how to apply before making a decision.
View CiTi Cash Loans Details →