How to Apply for Sassa Loan via Cellphone

How to Apply for Sassa Loan via Cellphone


The South African Social Security Agency (SASSA) gives loans to eligible individuals, and now, applying for a SASSA loan can be done right from the palm of your hand.

Today, We will guide you through the step-by-step process of applying for a SASSA loan via cellphone, empowering you to access financial assistance easily.

Let’s get right to it.

What are SASSA Loans?

Before we move to how to apply for the SASSA loan via cellphone, let us find out what they are.


SASSA loans, also known as social grant loans, are a type of loan that is particularly designed for social grant recipients in South Africa.

Commercial banks and other financial institutions typically offer them, and they can cater to various expenses, such as medical bills, school fees, or home repairs.

The origin of SASSA loans is unclear. Some sources claim that they first became available in 2005 when the South African Social Security Agency (SASSA) was established.

Others claim they have been available for much longer and were initially offered by informal lenders.

Regardless of their origin, however, SASSA loans have become increasingly popular in recent years.

This is due in part to the fact that they offer several advantages over other types of loans, like:

  • They have lower interest rates than other loans, such as payday loans.
  • They have longer repayment terms, which can make them more affordable for borrowers.
  • They do not require collateral, meaning borrowers do not have to use their assets as security for the loan.

However, SASSA loans also have some disadvantages, such as:

  • They can be challenging to qualify for, as lenders typically require borrowers to have a good credit history.
  • They can be expensive, as lenders often charge high fees.
  • They can be a trap for borrowers who cannot repay the loan, as they may end up in debt.

If you are considering taking out a SASSA loan, it is essential to weigh the pros and cons carefully.

You should also understand the loan terms and can afford the repayments.

How to Apply for SASSA Loan via Their Online Portal

Check Eligibility Criteria

Before applying for a SASSA loan, the first thing to do is to determine if you meet the eligibility criteria.

Usually, SASSA loans are available to individuals who receive social grants and have valid South African I.D.

To check your eligibility, visit the official SASSA website or call their toll-free helpline: 0800 60 10 11 for assistance.

It’s vital to note that eligibility criteria may vary, so it’s advisable to consult the latest information SASSA provides.

Prepare Required Documents

Confirm that you have the required documents readily available to streamline the loan application procedure.

These may include your South African ID, proof of residence, proof of income, and bank statements.

Collect these documents and have them available on your cellphone or in digital format for a smooth application experience.

Access the SASSA Loan Portal

Log on to the official SASSA website or the designated SASSA loan portal using your cellphone.

If you are skeptical about the web address, conduct a quick internet search using appropriate keywords such as “SASSA loan application.”

Once you have discovered the portal, click on the loan application section to proceed.

Complete the Application Form

On the SASSA loan application page, you will see a form that has to to be filled out accurately and comprehensively.

Provide the mandatory personal details, including your name, ID number, contact information, and banking details.

Be thorough in entering the information to avoid delays or difficulties during the verification process.

Take note of any extra fields related to your financial situation or explicit requirements.

Upload Supporting Documents

After filling out the application form, you will likely be asked to post the necessary supporting documents.

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This step confirms that your application is validated correctly.

Scroll to the designated document upload section within the application portal using your cellphone.

Select the relevant files from your device’s storage by tap the upload button. Check that the files are readable and in the correct format before proceeding.

Review and Submit

Before finalizing your SASSA loan application, take a moment to examine all the information you have provided.

Be sure that there are no errors or missing details. If everything seems accurate, submit your application electronically.

Take note of any confirmation or reference numbers given to you for future reference.

Follow Up and Await Response

When you have submitted your application, it’s crucial to be patient and allow SASSA time to review and process your request. Keep track of the reference number or any other information provided during the application process. This will enable you to follow up with SASSA’s helpline or check the status of your application through the online portal, if available.

How to Apply for SASSA Loan via Their USSD Code

Determine Eligibility

Before you apply for a SASSA loan, it’s essential to ensure that you meet the eligibility criteria.

Applicants should have an active cellphone number and be over 18.

If you meet these requirements, you can proceed to the next step.

Prepare the Required Documentation

To apply for a SASSA loan via cellphone, you will need to gather specific documentation. Ensure that you have the following items ready:

  1. Identity Document (ID): A valid South African ID is essential to establish your identity and eligibility.
  2. Proof of Address: Prepare a recent utility bill or any official document that confirms your current residential address.
  3. Bank Statements: Collect your latest bank statements, preferably covering the last three months. This helps SASSA assess your financial situation and repayment capacity.

Dial the USSD Code

SASSA has implemented a user-friendly USSD (Unstructured Supplementary Service Data) code system for loan applications.

To start the application process, dial the USSD code provided by SASSA on your cellphone. The code is *120*3737*7#.

Follow the on-screen prompts to proceed.

Provide Personal Information

Once you’ve dialed the USSD code, you will be asked to enter personal information.

This includes your ID number, full name, contact details, and social grant recipient details if applicable.

Take care to enter accurate information to avoid any discrepancies during the verification process.

Submit Required Documentation

After providing your personal details, the next step is submitting the required documentation.

SASSA enables you to upload the necessary documents directly from your cellphone.

Follow the instructions on the screen to attach scanned copies or clear photographs of your ID, proof of address, and bank statements.

Review and Confirm

Before finalizing your application, review the information you have provided.

Ensure that all details are accurate and up to date. If any mistakes are found, go back and correct them.

Once you have confirmed everything, submit it, and your application will be sent to SASSA for review.

Await Approval and Disbursement

After submitting your loan application, SASSA will check the information provided and assess your eligibility.

The processing time may differ, but once approved, the loan amount will be disbursed directly into your bank account.

NOTE! The loan amount will depend on your financial situation and repayment capacity.

Frequently Asked Questions

What are the eligibility requirements for a Sassa loan?

To be eligible for a Sassa loan, you must be a Sassa beneficiary and have a valid ID number.

How much money can I borrow?

The amount of money you can borrow depends on your income and your repayment history.

What are the repayment terms?

You can repay your loan over a period of up to 12 months.

What are the interest rates?

The South African government sets the interest rates for Sassa loans.

What are the late fees and penalties?

You will be charged a late fee if you make a late payment. If you miss a payment, you may be charged a penalty.

How do I repay my Sassa loan?

You can repay your Sassa loan by visiting a Sassa office, by calling the Sassa call center, or by making a payment online.


Remember to meet the eligibility criteria, prepare the required documentation, dial the USSD code, provide accurate personal information, submit the necessary documents, review your application, and patiently await approval and disbursement.

SASSA loans can provide valuable support during challenging times, and by leveraging mobile technology, the process has become more streamlined than ever before.



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