Costs
What bridging finance costs, in plain numbers.
Move the sliders to see an estimate. You see the full cost of credit in your quote and agreement before you sign.
Cost calculator · estimate
What would it cost you?
Loans start from R2 000 and are usually about 10% of your expected payout. For example, a R300 000 payout → about R30 000.
Your estimate is based on when your payout is expected (61 to 180 days).
Estimated total to repay
R23 294.50
One repayment when your payout lands. Early settlement accepted.
- Loan amount
- R20 000.00
- Initiation fee (VAT incl.)
- R1 207.50
- Interest (28.25% a year)
- R1 501.88
- Service fee (VAT incl.)
- R207.00
- Guarantee
- R378.12
Rate = SARB repo rate 7.25% (as at 23 October 2026) + 21% a year. It follows the repo rate.
An estimate from today's rates, not an offer. Your quote and loan agreement show the exact cost before you sign. It does not include any fee charged by your own FSP. All credit is subject to an affordability assessment.
Every fee, explained
- Interest on loans over R8 000
- The repo rate + 21% per year, charged from the day you receive the money
- Interest on loans of R8 000 or less
- 5% per 30 days on your first loan of this size, 3% per 30 days after that
- Initiation fee
- R165 on the first R1 000, plus 10% of the amount above R1 000, up to R1 050 + VAT (R1 207.50)
- Monthly service fee
- R60 + VAT = R69 per month or part of a month
- Guarantee
- R5.50 per R1 000 of the contract total per 30 days
To qualify, you need
- An expected lump-sum payout of at least R30 000
- A clean credit record
- An affordability assessment, as the National Credit Act requires
General terms
- Bridging finance is granted against a lump-sum payout due to you, such as a pension or provident fund payout.
- Loan agreements run for 61 to 180 days, depending on when your payout is expected.
- You repay once, as set out in your loan agreement. Early settlement is accepted.
- All credit is subject to an affordability assessment.
- You sign a standard loan agreement.
- A guarantee or, alternatively, life insurance is required.
FAQ
Questions about costs
Are there any upfront fees?
No. Marlin Credit never charges upfront fees. Fees are part of your loan agreement and are paid with your single repayment.
Who sets the fees and interest?
Fees and interest are charged as prescribed by the National Credit Act and regulated by the National Credit Regulator.
How long does the loan run?
Your agreement is set by when your payout is expected, between 61 and 180 days. You repay once, when your payout lands, and early settlement is accepted.
When will I know the exact cost?
Before you sign. Your loan agreement shows the full cost of credit for your specific loan.
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