Empowering your employees,
Protecting your business.
Flexible, risk-free short-term funding for your team — zero repayment risk, zero admin burden for you.
For Your Team
Safe Emergency Funds
- Safe Emergency Funding
- Fast Application
- Zero Workday Disruption
For Your Business
Protected Cash Flow
- Employee-Wellness Fund Contribution Programme
- Reduced Payroll Admin
- Strengthen your employee's benefit offering
LOANS FINALISED WITHIN 24 HOURS
LOANS SINCE 2005 TRUSTED BY 1000s OF SOUTH AFRICANS
ZERO REPAYMENT RISK TO YOUR BUSINESS
7 DAYS DEDICATED CALL CENTRE SUPPORT
FOR YOUR BUSINESS
Less admin. Less risk. More time to focus on your business.
Zero Repayment Risk
Repayments are deducted directly through payroll, so your business never carries the credit risk.
Reduced Payroll Admin
We manage the loan process end-to-end, from application to collection, so your HR team doesn’t have to.
Protected Cash Flow
Give employees a safer alternative to salary advances, keeping your cash flow predictable.
FOR YOUR TEAM
Safe emergency funds, without disrupting a single workday.
Fast, Fair Loans
Loans from R500 up to R8,000, with interest rates fixed for the full loan term and within NCR guidelines.
Safe Emergency Funds
A trusted alternative to informal lenders, paid straight into your team’s bank account within 24 hours.
Zero Workday Disruption
Applications are quick and can be submitted via WhatsApp or email — no time off work required.
WHAT WE OFFER
A loan benefit built on transparency
We understand every financial need is unique — personalised loan solutions, transparent terms, and a commitment to exceptional service.
Loans from R500 up to R8,000
Affordable & flexible repayment periods
Loans paid within 24 hours, directly into your team’s bank account
Simple, fast process — documents submitted via WhatsApp or email
Dedicated call centre to assist with every application
Interest rates fixed for the full loan term, within NCR framework
3 EASY STEPS
It's never been easier to apply
At Kamonyaka Finance, every application gets personal attention and clear, upfront terms. Here's how your employees apply.
STEP1
Who Qualifies?
Age 18+or older
Valid identificationSA ID or passport & work permit
Employedby the same employer for 3 months or longer
STEP2
Required Documents
IdentificationSA ID or passport & work permit
PayslipMost recent three months
Bank StatementsMost recent three months
Proof of ResidenceNot older than three months
Deduction FormSigned payroll authorisation
STEP3
How To Submit
Take a photoof the above documents with your phone and WhatsApp or SMS to: 060 529 1858
Send the PDFsvia WhatsApp or SMS to: 060 529 1858
Send the documentsvia email to: kamfin@legac.co.za
FAQ
Common questions
Does this create any risk for our business?
No. Repayments are deducted from salary via payroll, so Kamonyaka Finance carries the credit risk, not your business.
How much admin does our HR team need to handle?
Minimal. We manage applications, approvals, and collections — your team simply facilitates the payroll deduction.
How fast can employees receive funds?
Once approved, loans are typically paid out within 24 hours, directly into the employee’s bank account.
Is Kamonyaka Finance registered and compliant?
Yes. Kamonyaka Finance is registered with the National Credit Regulator (NCRCP7318), and all loans undergo affordability assessments and credit checks.