How Fido compares to
Wonga, Boodle & Lime.

One SA ID. Two minutes. Money in your account today. See exactly how Fido stacks up on speed, fees, documents, and total cost — before you commit to anything.

Why people are moving to Fido

Thousand of people and businesses have moved to Fido and here's why.

“My bank said 3–5 working days. Fido said 5 minutes. When your child needs medication and it’s a Saturday, you know which one to call.”
Zanele D.
— Tembisa, Security Guard
“I compared three lenders before applying. Fido was the only one that showed me the full repayment amount upfront. No nasty surprises at the end of the month. That’s what I needed.”
Poovi N.
— Sandton, IT Manager
“I was 10 days from payday and my rent was due. Wonga wanted payslips I didn’t have. Fido approved me in minutes with just my ID. Money was in my account before I even made tea.”
Grace M.
— Soweto, Retail Cashier
"After trying to get a small business loan from my bank for 3 weeks, I gave up. Fido gave me the cash I needed to restock my shop in 15 minutes. It’s not just a loan; it’s a lifeline."
Kwame A.
"I love that I don't need to beg my uncle to be a guarantor. Fido trusts me based on my own history. That dignity means everything to me."
Esi M.
— Sandton, IT Manager
"The transparency is real. With other lenders, I was always fighting over hidden fees. With Fido, the number on the screen is the number I pay."
Samuel O.
— Sandton, IT Manager
"After trying to get a small business loan from my bank for 3 weeks, I gave up. Fido gave me the cash I needed to restock my shop in 15 minutes. It’s not just a loan; it’s a lifeline."
Kwame A.

Quick Comparison Guide

Time to cash
Instant (24/7)
Days or Weeks
Collateral
None
Often required
Guarantor
None
Mandatory for most loans
Paperwork
None
Mandatory for most loans
Hidden Fees
None
Maintenance, insurance, processing fees
Accessibility
A smartphone
Requires physical branch visits
Scoring
Transparent Fido Score
External credit scoring