Just a few simple steps between you
and your cash!

Our process is fast, fuss-free, and transparent, so you always know exactly what you’re getting.

Before we start,
make sure you have what you need to apply.

ID
A valid South African ID
Access
Access to
internet banking
90 days
Verifiable income
for the last 90 days
18 years
Be 18 years or older
Step 1
Step 1

Choose your amount

Use the SmileDial to select how much you need and for how long. As you move it, everything updates instantly, so you always know:

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Your monthly repayments
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The interest you’ll pay
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Your total cost

No hidden fees. No surprises.

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Step 2
Step 2

Complete the application

Fill in our quick online application. No paperwork, no documents, no hassle. We’ll ask for:

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Your personal details
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You to link your online banking account
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Your employment and income information

Everything is done securely online.

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Step 3
Step 3

Get your offer

We run a fast, automated check to confirm your details and affordability.

Once verified, you’ll receive a clear offer with upfront repayment terms.

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Step 4
Step 4

Get paid instantly

Accept your offer and sign your agreement.

As soon as you’re done, your money is paid straight into your bank account.

Trusted bank partners

Boodle works with trusted banks to securely process applications. Link your online banking account for faster processing and instant payout.

Absa Capitec FNB RMB Nedbank Standard Bank Tyme African Bank Bidvest Access Bank Discovery

Smiling reviews

That’s how we keep your pockets smiling!