The credit provider that pays you, for paying your loan.
Lending solutions that reward responsible borrowers with cash rebates for every on-time repayment.
Payday Loans
Cover unexpected expenses with a short-term loan designed to help you bridge the gap until payday.
- Loans up to R8,000
- Repay within 38 days
- Fast online application
- Quick payout after approval
Term Loans
Borrow more with flexible repayment options that fit your budget, while earning rebates for responsible repayments.
- Loans up to R50,000
- Repay over 3 to 24 months
- Flexible repayment terms
- Earn rebates on eligible repayments
How It Works
Get the funds you need in four simple steps and earn rebates when you repay on time.
Apply for a Loan
Complete a quick online application and choose the loan that best suits your financial needs.
Receive Your Funds
Once your application is approved, your money is paid directly into your bank account.
Repay On Time
Make your repayments according to your agreed schedule to build a positive repayment history.
Earn Rebates
Every on-time repayment earns you a rebate, rewarding you for borrowing responsibly.
Why Do You Earn Rebates?
Every on-time repayment helps us reduce collection costs and bad debt. Instead of keeping those savings, we reward responsible borrowers with rebates.
Your Benefits
- Reduced collection costs.
- Fewer missed repayments.
- Stronger, healthier lending.
- Savings shared through rebates.
Your AI-powered lending assistant.
ARA helps you better understand your loan, repayments and borrowing options by providing personalised insights throughout your lending journey.
Personalised Insights
Receive helpful insights based on your loan and repayment progress.
Instant Answers
Get quick answers to your loan and repayment questions anytime.
Smarter Decisions
Understand your borrowing options and stay on track with confidence.
FAQ
When will Steke launch?
We are building a product that is a “first of its kind”, which requires on-going quality checks and regulatory approvals to ensure necessary standards. When the app is ready to launch, early access members will be among the first to experience Steke.
The rebate seems too good to be true – what’s the catch?
What if I'm late on one payment but early or on-time with the rest, do I lose my rebate?
What is ARA?
Is ARA a financial advisor?
We reward responsible borrowers, in cash.
Join our early access list to receive exclusive offers and updates.
