NCA pricing disclosure
Transparent pricing before you apply.
Every cost should be visible before a client commits. This page summarises interest, fees, examples and regulatory caps for Ndzinga Capital credit products.
Fee comparison
Product pricing at a glance
| Fee | Micro Loan | Personal Loan | PO Funding |
|---|---|---|---|
| Amount range | R500 - R2,000 | R5,000 - R100,000 | R10,000 - R500,000 |
| Term | Up to 30 days | 3 - 60 months | 30 - 120 days |
| Interest | 5% flat/month | 3%/month reducing | 2.5%/month daily accrual |
| Initiation fee | 15% (max R1,207.50) | 15% + VAT cap applies | Negotiated |
| Monthly service fee | R0 | R69 + VAT | R0 |
| Late payment | R0 grace | Per NCA | Per NCA |
| Early settlement | None | None | None |
Micro Loan
Amount rangeR500 - R2,000
TermUp to 30 days
Interest5% flat/month
Initiation fee15% (max R1,207.50)
Monthly service feeR0
Late paymentR0 grace
Early settlementNone
Personal Loan
Amount rangeR5,000 - R100,000
Term3 - 60 months
Interest3%/month reducing
Initiation fee15% + VAT cap applies
Monthly service feeR69 + VAT
Late paymentPer NCA
Early settlementNone
PO Funding
Amount rangeR10,000 - R500,000
Term30 - 120 days
Interest2.5%/month daily accrual
Initiation feeNegotiated
Monthly service feeR0
Late paymentPer NCA
Early settlementNone
Worked example
R5,000 personal loan over 3 months
Illustration at 3% per month reducing balance. Final terms are subject to approval and disclosure.
PrincipalR 5,000.00
Monthly InstalmentR 1,836.65
Total InterestR 302.96
Initiation FeeR 750.00
Service Fees (R69 x 3)R 207.00
Total Cost of CreditR 1,259.96
Total RepayableR 6,259.96
NCA caps
Regulated fee limits
The National Credit Act prescribes maximum fees and interest rules for regulated credit agreements. The worked examples and calculator estimates remain illustrative until a formal affordability assessment and pre-agreement statement are issued.
Ndzinga Capital discloses all applicable fees before signature. A client should never have to infer the cost of credit from small print.
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