Loan USSD Codes

People often search for a USSD code to apply for a loan, check a balance or make a repayment. Very few South African credit providers publish an official USSD service, and fake “instant loan” codes are a common scam. This directory lists each lender we cover, whether a USSD code has been verified, and the official channel to use instead.

Directory updated: 13 September 2026. Each code below shows the date it was last verified on its own guide. USSDCode.co.za is an independent guide and is not affiliated with any bank, network, retailer, lender or government department listed here.

Quick Answer and Most-Used Codes

As of this update, no lender USSD code on this site has been verified against the lender’s own official material. Do not dial a “loan code” you found on social media. Use the lender’s official website, app or registered contact number, and check that the lender is a registered credit provider with the National Credit Regulator before applying.

Browse by Provider or Service

Each lender guide shows its current verification status and points you to the official channels to use:

• Capfin
• FinChoice
• Finbond
• iThemba Loans
• HMT Loans
• Lend Plus
• PayJoy
• Plus More
• Unifi

PayJoy is different from the others: it finances smartphones rather than lending cash, so check the terms of your handset agreement as well as the repayment schedule.

Browse by Task

• Applying for a loan: use the lender’s website or app. A USSD “application” that asks for your banking PIN is a scam.
• Checking a loan balance or settlement amount: request a statement from the lender’s official contact centre or app.
• Making a repayment: pay by debit order, EFT to the account on your official statement, or through your bank’s USSD menu to a saved beneficiary.
• Approving a debit order: most new loan debit orders use DebiCheck, which you approve through your bank. See the DebiCheck guide for Capitec, FNB, Absa or Standard Bank.

How to Use These USSD Codes

If a lender does confirm a USSD service, use it the same way as any other official code:

1. Open your phone’s dialler (the keypad you use to make calls), not an SMS or chat app.
2. Type the full code exactly as shown, including every * and the final #.
3. Press the call button. A text menu should open on your screen within a few seconds.
4. Identify yourself only with the details the lender already holds, such as your ID number. Never enter a banking PIN or OTP into a lender’s menu.
5. Get a written quote or pre-agreement statement showing the total cost of credit before you accept any loan.

Legal loan fees in South Africa are capped by regulation. A lender that asks for an upfront “admin” or “insurance” payment before paying out the loan is a serious red flag for a scam.

Codes to Verify Before Dialling

Every lender on this page is currently in this category. Until a code is verified, use:

• The lender’s official website and app, reached by typing the address yourself rather than clicking a link in an SMS.
• The contact number on your signed loan agreement or monthly statement.
• The National Credit Regulator’s register to confirm a lender is licensed.

• Never pay money upfront to “unlock” or “guarantee” a loan.
• Never share an OTP. Scammers use OTPs to take out loans or open accounts in your name.
• Type the code yourself. Never dial a code sent to you by a stranger, a WhatsApp message or a caller claiming to be your bank.

Related USSD Guides

• Banking USSD codes
• Mobile network USSD codes
• Fake USSD codes
• All USSD codes in South Africa

More Loan USSD Codes

• Capfin USSD Code For Loan