Cash Loans FAQ | Makro Online Site
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Frequently Asked Questions


Need help?

Call us on 0860 600 999 or mail Our operating hours are 8AM-6PM (Monday to Saturday) and 9AM-4PM (Sundays and public holiday) 


Cash loans

What are Makro Cash Loans?

Apply for a Makro Cash Loan in-store or online and get the funds deposited into your bank account within 24 hours of approval.

What are the other benefits of a Makro Cash Loan?

  • A cash loan of up to R150 000
  • Payment options from 12 – 60 months
  • Cash in your account within 24 hours
  • Interest at 27.50% (max) per annum*
  • Free electronic statements (email and SMS)
  • Customer Protection Insurance

Fees are subject to change and will be affected by customer risk profile.

What does Customer Protection Insurance cover?

  • Death Cover - Covers your full outstanding loan balance
  • Permanent Disability - Covers your full outstanding loan balance
  • Temporary Disability - Covers up to 12 months’ loan instalments
  • Loss of Income - Covers up to 12 months’ loan instalments

*Guardrisk Life Limited is an Authorised Financial Services Provider. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed here  

How much does a Makro Cash Loan cost?

Based on your risk profile a monthly service fee, initiation and competitive interest rates will be charged on your Makro Cash Loan.

What are the requirements to apply for Makro Cash Loans?

  • You must be 18 years or older
  • You must be employed and earn a monthly salary of no less than R2 000/ month
  • Must have an original SA Identity document (please have this document ready in-store)
  • You will be required to provide proof of income documentation

How can I apply for a Makro Cash Loan?


SMS your ID Number* Initials* Surname* Monthly Salary to 47550
Example: 7013320212080*KJ*Smith*5000
(Standard SMS rates apply)

Call Customer Care 0861 888 009 to complete and process the application

How much will I qualify for?

Your loan amount will be determined by your own individual profile taking into account your affordability.

How do I check the amount I need to pay?

The amount will be shown on your latest statement. Please check your phone for the latest MMS statement.

Where can I find my account number?

Call us on 0861 888 009 and we’ll set it up for you

How much do I need to pay each month?

Your monthly statement reflects the instalment that you need to pay by the 1st of the month.

How do I pay back my Makro Cash Loan?

Debit order: A payment is automatically debited from your bank account on the due date that you have selected.