Small Smart Credit
Life is too short to wait, borrow!
Get simple small cash, from as little as R30, up to R500 from multiple providers pay everything back in one place
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Download the Skoloto App Today!
Get fast, easy access to Skoloto loans at your fingertips. Download our app now and unlock instant cash advance designed to fit your lifestyle. Available on iOS and Android!
About Us
Empowering you to gain access to soft life
We offer you small cash from multiple providers & you can pay back in one place with low interest.
Small cash advance, easy credit from, R30 to R500, from multiple loan providers, we help you with your emergency loans, transport loans, small purchases.
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No hidden fees
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Cash Voucher Payouts
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Instant Ai Approval
How It Works
How Skoloto works
Skoloto simplifies the loan process, making it accessible and straightforward for everyone. With just a few taps on your device, you can apply for a nano loan tailored to your needs. Here’s how it works:
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Frequently asked questions
We’ve got answers! Below are some of the most common questions our users ask about our nano loans, how they work, and what you can expect. If you don’t find what you’re looking for, feel free to contact our support team!
We offer you small cash from multiple providers & you can pay back in one place with low interest. Small cash advance, easy credit from, R30 to R500, from multiple loan providers, we help you with your emergency loans, transport loans, small purchases.
No, applying for a Skoloto loan through our app will not affect your credit score. We use a soft credit check during the application process, which doesn’t impact your score. However, failure to repay the loan on time may be reported to credit bureaus and could negatively affect your score.
Our AI system processes applications quickly. Most loans are approved instantly, and you can receive funds within 24 hours, depending on your selected method of payment.
Yes, we offer Sharia-compliant options, allowing users to access interest-free financing solutions that align with their religious and ethical values.
Repayment terms vary depending on the loan type and amount. However, our repayment plans are designed to be flexible, allowing you to choose an option that works best for your budget and circumstances.
Testimonials
what people say about us
Palesa Maleka
Skoloto helped me cover an unexpected school fee for my kids. The loan was approved in minutes, and I had the money in my account the same day. The entire process was seamless!
Sipho Lerumo
I was able to buy groceries with a voucher from Skoloto when my paycheck was delayed. Their flexible repayment plan made it easy for me to manage the loan without any stress.
Mark Kruger
Skoloto made it possible for me to fix my car after a breakdown. The loan was small but exactly what I needed, and the repayment terms were fair and convenient.
Kate Forbs
I used Outgrid to purchase a gift for my sister’s wedding. The app was super easy to use, and I loved how quickly everything was processed. The entire experience was stress-free!