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Warning: High volume of customer complaints regarding this lender.
FASTA

FASTA Reviews

55 customer reviews, 1.3/5 average rating

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5.2/10

Our Score

Rating Breakdown

1.3

55 reviews

Verified

5 ★
2 (4%)
4 ★
2 (4%)
3 ★
1 (2%)
2 ★
1 (2%)
1 ★
49 (89%)

🛡️ Our Honest Take

Let's start with what FASTA gets right. A 28.75% annual interest rate is actually reasonable for a short-term lender in South Africa. To put that in rand terms, on a R5,000 loan over 30 days at that rate, the interest component alone would be around R120. Now, your total repayment cost will be higher once you add initiation fees and the monthly service fee that the NCA permits lenders to charge, so always ask for the full cost of credit before accepting any offer. But on the interest rate alone, FASTA is not trying to clean you out.

The loan range of R500 to R15,000 with terms between 30 and 180 days is genuinely useful. Six months is long enough to make repayments manageable on a mid-range loan, and that separates FASTA from the pure payday lenders who want their money back in 30 days whether you're ready or not.

So where does it fall apart? The customer reviews we collected tell a different story from the marketing. A trust score of 1.9 out of 10 across 46 reviews is low enough to take seriously. Complaints tend to cluster around communication problems, unexpected deduction amounts and difficulty resolving disputes. That doesn't mean every applicant has a bad experience, but it's a pattern we can't dismiss.

The application itself is digital and generally quick during business hours. Same-day payout is possible but not guaranteed. If you apply late on a Friday, don't count on seeing money before Monday.

Is FASTA the best option on the market right now? Based on everything we looked at, no. The rate is competitive, but 15 lenders in our analysis scored higher overall. If you're set on applying, use the pre-agreement quotation to check the full repayment amount before you commit. Never sign a loan agreement without knowing exactly what you'll pay back.

All Reviews (55)

☆☆☆☆Cade D
2026/03/16

UNPROFESSIONAL AND POOR BUSINESS ETHIC!!!

Account was paid up to date prior to debit date. Settlement letter received, however tracking and debit order on my account was not stopped. Loan status still remains open on my web profile. No response to emails. Terrible customer service.

☆☆☆☆Madeli M
2026/03/16

Worst loan company

I paid my loan early for good review then they still debit me again the same amount i paid in full and been trying to call and email them for a refund no response

☆☆☆☆Noel B
2026/03/07

Adrian Wood from Fasta is a ****mer

I have taken a small payday loan from Fasta and have successfully repaid my account, after closer research I noticed a lot of negative reviews and decided that I would like to execute my right to request for a profile closure, I logged a ticket for the request and have been communicating with Adrian Wood, a representative that has refused to honour my request claiming certain legal responsibilities that I have. This is absolutely frustrating as I have no financial responsibility to your company and I have requested further information which was not provided. I do not trust your company and your employees especially Adrian Wood as I have full and detailed understanding of the process as I work in a financial services environment, as an account holder I have every right to disable my account at my own discretion and I have lost trust in your company and need my request to be completed. I understand that certain basic information may be kept on record for a period of 3-5years however a permanent disablement of my account means that no further changes or applications can be added to my account, this is my basic right and trust me, I would be escalating this matter further if this is not resolved. Adrian Wood is looking to **** me out of more money when my account is fully repaid, I am appealing to the public to please stay away from these people.

★★★☆☆Semone D
2026/03/05

Problems getting hold of an agent

So generally I have excellent service by Fasta. However today, afta countless emails and trying to get an agent to chat with me, it's very impossible,and frustrating. I settled my account on the 3rd march, and spoke to an agent yesterday to confirm they received payment. She said yes and it will for the latest be updated today. However I need to access urgent funds to repair my vehicle as I need to be on the road tomorrow for work. And nobody is getting back to me, or updating my profile so I can get another quotation for a loan... I just need a time line as to when I am able to apply again..

☆☆☆☆Anthony
2026/03/04

Stay away

Worst company I've ever had the displeasure of dealing with.

☆☆☆☆Haniky P
2026/03/04

Fasta loans a ****

Stay away from this company, they keep debiting your account even after you have settled them. They change payment dates and randomly debits, they do not update when you have settled them. Making you desperate 😭

☆☆☆☆Nhlakanipho N
2026/03/03

Reverse payment

I have been waiting for these guys to do a refund on a debit that went through a day after doing an immediate payment of outstanding funds, nobody has reached out to me, they don't even have a contact number to call them, i have opened multiple tickets on they support email.

☆☆☆☆David T
2026/03/02

Payment Allocation

I am lodging a formal complaint against Fasta Loan regarding the mismanagement of my loan account. On 20th February 2026, I made a manual payment of R693, 34 to Fasta Loan. Despite providing proof of payment, this amount has not been correctly allocated to my account. Instead, Fasta Loan continues to process debit orders against my account, which does not have sufficient funds. This has resulted in repeated failed transactions and unnecessary stress. I have attempted to resolve this matter directly with Fasta Loan, but the issue remains unresolved. I request that: 1. My manual payment be correctly allocated to my loan account immediately. 2. Debit orders against my account be suspended until the payment allocation issue is resolved. 3. Written confirmation be provided to me that the matter has been corrected. This situation reflects poor account management and unfair treatment of customers. I trust HelloPeter will assist in ensuring Fasta Loan addresses this issue urgently and professionally. Regards, David Tsukulu

☆☆☆☆Sanele D
2026/02/26

Pathetic Service

This is in behalf of my partner. He took out a loan and settled it with them as agreed on the 20th of February 2026. They acknowledged receipt of payment, processed and approved another loan but still continued to debit that amount again a few days later. We have been chasing them down for a full refund as they are sitting with funds thar don't belong to them however nobody ever answers from their support team. It's even worse they tell you to wait 48 hours for resolution and never bother to answer any of your follow ups days later...and guess what. Still no refund. They don't even have a number to contact them on. I WANT MY MONEY YOU *******!!

☆☆☆☆S
2026/02/15

FASTA Cancelled My Loan Due to Their Own Delay – Unfair Treatment

On 14 February 2026, my FASTA loan application was confirmed as complete and progressing well. Later that evening, I was informed that the DebiCheck process could not be completed due to it being late on a Saturday night, and that it would resume at 9am the following morning. Despite this, at approximately 5:15am on 15 February 2026, I received a message stating that my loan application had been cancelled due to being “incomplete.” I had completed all required legal steps on my side. The delay was on FASTA’s side, as DebiCheck could not be processed at that time. Cancelling my application before giving the promised opportunity to resume the process is unfair and unreasonable. I am requesting that FASTA urgently review this matter and either reinstate my application or provide a proper written explanation. I am disappointed with the lack of fairness and communication in this process.

☆☆☆☆Andile
2026/01/26

****med by fasta

I paid up fasta loan only for them to debit my money while I am done paying when I try to send the emails they do not respond I would never ever recommend this to anyone

☆☆☆☆Busi M
2026/01/16

Money debited from account even though loan has been payed off.

I settled my loan with them four days before my scheduled debit order and received a settlement letter. However on the 15 my account was debited and I have lodged a query and 48 hours later I have not received any feedback. I need a refund and they are not assisting me.

★★★★Alwyn L
2025/12/24

Refund without noticing deduction

I had a little issue with them, regarding December deduction of my debut order witch was moved up earlier than expected, I paid it and the deducted anyway, I didn't even notice it and the refunded it, very trustworthy loaners, I'm happy with my experience

☆☆☆☆Tshepo
2025/12/24

Not Happy

They Debited before the debited order date and i occurred chargers. In December they again did the same and debit my account twice and the dont have call center. I have logged a request Ticket #731454 for refund and i have still not received any feedback on their support site while is over 48hrs as per the emails am receiving

☆☆☆☆Abdurragiem B
2025/12/23

NO RESPONSE

I made a payment to Fasta, They haven't confirm payment yet and continue to send me reminders for payment. I e - mailed the proof of payment to them.

☆☆☆☆Lindiwe S
2025/12/23

FASTA LOANS HORROR SERVICE

I took out a loan from Fasta Loans last month. I was informed that my repayment date would be the 12th of December, as they debit earlier than the actual due date, which is the 27th. I then made arrangements to pay on the 19th of December, as that is when I receive my salary. On the 19th of December, I logged into their website and paid off the loan in full. The system generated a paid-up loan confirmation. After settling the loan, I app**** for a new one. My application was approved, and the funds were deposited into my account. However, immediately after the funds were received, Fasta Loans deducted the amount for the previous loan, which had already been settled. This means I was charged twice for the same loan. I am extremely angry and upset about this situation, especially because they have not responded to my emails. Their service is very poor, as there is no contact number available—only an email address for support. Despite contacting them on the 19th of December, I have received no response up to today, the 23rd of December 2025. This situation has caused me significant inconvenience, and I am very disappointed with their lack of communication and customer service.

☆☆☆☆Chantal S
2025/12/15

COMPLAINT

It's 3 days and I have not yet received a call to sort out my query.I am incurring extra charges each day and my credit report is being impacted negatively.

☆☆☆☆Refilwe M
2025/12/12

Update my account PLS

I am dissatisfied with the service from FASTA Loans. I settled my account, yet it has still not been updated. I also sent an email with no response. Could you please advise why this is happening?

☆☆☆☆Moloko M
2025/12/09

Bad company

I have been ****med by fasta how do they process loans and everything with ought talking to us they debited me R5888 for a loan I never took the their consultants didn't even want to hear my story they continue to debit me I even closed my account I had no money for food in November

☆☆☆☆nomonde
2025/12/03

No settlement letter provided

Settled loan in full via EFT but have not received settlement letter. Instead received an email stating deduction will be early this month. Logged with support and attached proof of payment but no response. Sent numerous emails with proof of payment that have also gone unanswered.

☆☆☆☆Josephine B
2025/12/02

They Will Ruin Your Credit Profile

They will ruin your credit profile. STAY AWAY from them. They do not update the credit bureaus that your account is paid up and they will not close it. I'm in a process with the NCR to file a complaint.

☆☆☆☆Naledi N
2025/11/22

Debiting my account *******ly and without permission

I’ve had my loan with FASTA closed a long time ago. Why was R21 debited on the 3rd of Nov in my account? I think this is completely unacceptable and disrespectful. Can someone call me to investigate and give me feedback?

☆☆☆☆Laurence S
2025/11/10

No Contact Number and Support Platform is ****

The company has no contact phone number, their Whatapp number is monitored by a AI Bot which does not answer questions and their website support platform is **** - They claim they will reply within 4 business hours but has been 4 business days without a reply! THERE IS NO WAY TO MAKE CONTACT WITH THIS COMPANY.

☆☆☆☆Isobel S
2025/10/30

Fasta loans .......unaxxeptable service from fasts

A company......if they can call themselves that....with no phone nr, and no means of comunication even though they give options. First whatsapp, even though you log in to their app aand get everything done ip to a point....whatsap says you dont exist on the system Email is a nightmare, you can email till you are blue in the face, there will be no response from fasta whatsoever. When I get the oppertunity, I live quite a distance from Cape town city centre, I am going to look ip their adress to see if they are really legit, because I have the same problem every time, and Id like to see them face to face

☆☆☆☆Lea S
2025/10/26

Settlement

I paid settlement according to what they gave me on my side it fossnt reflect and the money paid doest it just shows that I am accumulating interest even though I paid what going on

☆☆☆☆Stephanie D
2025/10/06

my name is stephanie Davids , cell number ********** and id **********080 i had a fasta loan which i settled and still not been updated , i have logged a complaint with them and they ignires me, im currently requesting a paid up letter and wants my profil

my name is stephanie Davids , cell number ********** and id **********080 i had a fasta loan which i settled and still not been updated , i have logged a complaint with them and they ignires me, im currently requesting a paid up letter and wants my profile updated. they are quick to help people which we gretful for but once we pay please update and clear our balances, if this is not done ill go to the ombudsman and social media. i want my account updated please and urgently.

☆☆☆☆T M
2025/10/03

Deducted after paying

I was one-day late on payment I made an eft payment via my capitec. But you still deducted the debit order on my bank. I tried reaching out since on the 2th of October on their support portal. I get no response. The is no number to call or email. What needs to b done.

☆☆☆☆Pearl M
2025/09/30

THE WORST TO TAKE LOANS !!!!

I HAVE BEEN SENDING SEVERAL EMAILS AND NO RESPONSE FROM FAST MY ACCOUNT WAS DEBITED TWICE AND ALL THANKS TO THEM I WONT BE HAVE A PLACE TO STAY BECAUSE THAT WAS MY RENT AND GROCERY MONEY THAT THEY DOUBLE DEBITED FROM MY ACCOUNT

☆☆☆☆Nicola R
2025/09/29

Complaint

i have been with this company for a long time and never really made an issue out if anything , but i am now so irretated with the level of service their online support says a response within 4 business hours yet i still have not received a response for a simple things such as a response as yo if my settlement payment was received by them , i settled my loan with them on the 25th and send through my settlemt proof and settlement letter received from them and till now i am still waiting just for a simple reply that its received just to be at ease .

☆☆☆☆Celiwe
2025/09/22

Have app**** and was...

Have app**** and was advised loan has been approved but no disbur*****t

☆☆☆☆Louise F
2025/09/12

Loan

I app**** for a loan but get declined every time. I use to take out loans with them before and had they no issues to giving me a loan. Now they have a issue giving me a loan. Everytime I took a loan out with them it was paid in full.

☆☆☆☆Sophia S
2025/08/15

Disappointed

App**** for a loan and haven’t received the funds but the loan is already reflecting on my profile, I’d like to have the application cancelled.

☆☆☆☆Masemate N
2025/08/15

Shut this company

Worst customer service ever, rube has he'll when your polite and treating them with respect. I have the agents name, they changed the payment agreement amount. Worst experience ever. ****** **** artist. I got emails, sms and escalation proving this and even with the evidence shown to them, they still won't attempt it. *******.

☆☆☆☆Rosslyn D
2025/07/30

Bridge of contract!!!!!!

My Debit date is for LAST WORKING DAY of thee month. I get paid, LAST WORKING DAY of the month!!! Its in your contract, its OUR agreement. WHY would you try and debit my account TODAY!!!!!!!!! Obviously there is not sufficient funds, as I get paid LAST WORKING DAY of the month. Please update you records properly and stick to the TERMS & CONDTIONS!!!!!!!!!!!!!!

☆☆☆☆Rika S
2025/07/15

Very bad service

Terrible!!! Took out a Loan in Jan 2025. Firstly they phoned me and tell me that my payment is due. I asked them are they not taking the money by debit order? She assured me that they do but she just phoned me to remember me of the debit order that will go off. A week later she phoned me because the debit did not go off, although there was enough money in my account. She gave me the details to deposit the money which I did immediately!! The next month the payment still not went off from my account and account details etc was checked!! I then took it on myself to make the payments manually and I paid extra!! Now they have listed me at the credit buro and demand payment as the loan was already paid up in May 2025!!! Very bad service!!

☆☆☆☆Mpho B
2025/07/02

Settlement letter / Debit order/Eft

Received settlement letter last week and paid via eft. Then again last night debit order was run again. This is unacceptable .

☆☆☆☆Cebile K
2025/06/08

Personal

I am struggling to get my settlement letter

★★★★Juan-Pierré Naude
2025/06/02

Happy Customer

Very good service, had only one problem the first time I used them and that was payment taking very long to reflect but was solved real quick. Very happy with them.

☆☆☆☆Sharon M
2025/05/26

double debit

can you guys please refund my money, you double debited me now i have unpaid of 105 for every debit missed cause you guys took extra money, i have tried to log this on your website but nothing is happening

☆☆☆☆Thuli M
2025/05/23

paid off my loan but still get emails and debits ! **** of a COMPANY

i had a load with fasta and paid it off with jer associates which is their legal team i belive. i called to get the settelment letter months ago and it was not given to me yet they confirmed that my loan was paid off... fasta has no call center and now they are telling me i owe them that load amount i paid, i sent a query and till date i dont get assistance. i require fasta to call me and sort this thing sice i cant get hold of them. worst load company ever

★★☆☆☆Glenda
2025/05/23

Frustrated and Defeated

For a while I have been using Fasta loan but recently I am dreading using it. I had a family emergency and got a loan from fasta, I then settled the account in the 15th May 2025 via the online portal. I've logged a ticked as the account still shows as outstanding and I am very frustrated as I know they will want to deduct money from my account. I can't imagine the trouble I'd have to go through to get a refund. They do not have a contact number that is also another messed up thing about this company.

☆☆☆☆Zodwa N
2025/05/15

FASTA LOANS IS A NONSENSE

I paid my account on the 10th of February 2025 but till today that account shows in arrears on my credit profile. When I write to them they send me to pillar and post. I'm so angry right now. It's been full three months running after them. Even credit bureaus can't get feedback from them. They are not responding to any of their emails

☆☆☆☆Portia N
2025/04/24

Disappointed

I am very dissapointed with you service. I am getting paid on the 25th and not the 24th, each and month you deduct the day before causing me z unnecessary bank, I have ro copmain each and every month for the same thing 😭 and most of all I have done a manyal payment for the month on the 18th already, I sent proof of payment on Monday already

☆☆☆☆Mbali M
2025/03/26

The worst

YOU STILL DEBITED MY MONEY AFTER I PAYED MY ACCOUNT!!I have sent FASTA proof of payment and received an email congratulating me on my paid up account. I HAVE LOGGED NUMEROUS TICKETS AND EMAILS WITH NO RESPONSE! PAY BACK MY MONEY!!

☆☆☆☆Kgaugelo S
2025/03/23

Fasta is bad financial company it is a no go area

Hi..fasta does not want to cancel my debt order ..I took all my account with debtbusters so they are assisting me to pay my debts so Fasta is trying to debit in my account even though they sent Fasta a email to cancel my debit order by debt busters. They must please cancel my debit order. I won’t recommend anyone to go get help by Fasta Never just bad company nje

★★★★★Thembakazi F
2025/03/19

Payment allocation

I took a loan at fasta my first payment was due on the 15th of January. They couldn't deduct from my account because I changed bank. But I paid Vai FET with the bank that I am currently using the mistake I made was to write their account number instead of reference so they couldn't locate the payment, so they started calling sending emails and sms claiming the payment, I explained to the consultants that called me I sent numerous emails with proof of payment but till to date they never allocate the payment. They even put my account on arrears which causes red flag on credit bureau. 15tth February i paid 2 installments , that made m not owing Fasta but still the 1st payment is not allocated. The last call I received was on the 19 March. 2025. I explained to the consultant she. Checked for the emails I sent and she saw the payment and she promised to resolve the issue by sending it to manager but to my surprise I just received an sms claiming the R369.16 that I paid. It looks like they want me to pay more as they don't want to allocate my payment to my account

★★★★★Paul L
2025/03/12

industry leader for sure # absolute pleasure

Efficient, professional and the whole borrowing process is available day and night, always a pleasure Fasta. Thankyou for my 3am instant approval and payout of my loan. Laters

☆☆☆☆Racheal M
2025/03/04

Terrible consumer ethics practices

Took a loan with them, to cut a long story short. Paid off the loan and fasta failed to update as a result account looks like it was not being paid. Contacted them numerous of time on their portal. Send proof of payment both via portal and email address provided to no response

☆☆☆☆Prudence N
2025/02/24

FASTA loans

Poor service I am so happy this month is my last installment I will never use them again. Putting someone in arrears before their pay date. very pathetic and poor service 😡

☆☆☆☆SKL M
2025/02/24

TERRIBLE SERVICE FASTA LOANS

I have been requesting for a settlement letter for my loan for weeks to no avail. I have logged multiple queries on the entity's platform, only to have an auto generated response pointing me to the same system that clearly does not function as intended. There is no other way in which I can reach out to the company. All I asked for was a stamped PDF version of my settlement letter as I would like to close this loan. It is so frustrating dealing with entity's that are difficult to reach and which are not responsive to customers.

☆☆☆☆Zanele Z
2025/02/06

FASTA LOANS ARE ****MERS

I waited a week and half for my refund. DO NOT USE THIS PATHETIC LOAN THING, they are ****MERS!!!!!

☆☆☆☆Zanele Z
2025/02/02

Double debit

I made a manila payment to FASTA but they still debited me. I’ve been sending emails the whole week snd no one bothers to reply back. I need my money back. I trusted this company so much but now I don’t know how I feel about it. I’m disappointed but FASTA

☆☆☆☆Lerato N
2025/01/31

very bad

I will never recommend it to anyone , their service is very poor

☆☆☆☆Lerato N
2025/01/27

BAD COMPANY FASTA LOANS

I took a loan then settled it off from FASTA LOANS, now Nimble group have been harassing me on paying an extra R1963.48, whenever I ask for a statement that breaks down the amount they refused.so now I have a red flag from FASTA loans which I payed and I have been logging calls with no help but threats THAT MY ACCOUNT WONT BE CLOSED.PLEASE HELP PETER.

☆☆☆☆Bontle M
2025/01/19

Furious client

I app**** for a fasta card January 2024 which I never used and I closed it from their website. They still debited my account +R2000. I communicated with them via their "support" and asked to be called and their agent said I must pay off the full amount. I asked them to reverse the payment from the fast card which they won't and this is affecting my credit scoring

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