Our Richards Bay CBD branch, focused on employer partnerships and payroll-deducted salary advances for staff across the region.
Suite 1A Lake View Terrace, Richards Bay CBD, 3900
+27 35 789 5235NCR Registered Credit Provider
Safe credit for working people.
Zonke-Zonke Financial Services and our sister branch Gugu's Financial Assistance offer regulated salary advances and financial assistance — through your employer as a staff benefit, or directly as a walk-in client.
- Branches
- 2
- Term
- 1 month
- Employer risk
- Zero
Two names, one standard
The same service across both of our branches.
Our Penny Lane branch, offering identical products and the same walk-in financial assistance to the Bellingham Park community.
Shop 42, Bellingham Park, Penny Lane, Richards Bay, 3900
+27 35 789 5846What we offer
Our services
01
Salary Advances
Short-term credit over a one-month repayment term, giving working employees immediate relief for medical costs, urgent repairs and unexpected family needs.
02
Employee Benefits
A payroll-integrated benefit for employers. Staff borrow from a licensed credit provider while your company simply facilitates the deduction — no credit risk, no balance-sheet exposure.
03
Walk-in Assistance
Individual clients are welcome at both our Richards Bay branches for face-to-face, confidential financial assistance and affordability guidance.
Safe credit. Zero risk. Full compliance.
How the employee benefit works
We give your employees a regulated alternative to loan sharks and informal workplace lending. Employees borrow directly from a licensed credit provider; your company only facilitates the payroll deduction and never becomes the lender.
NCA compliant · BCEA aligned
- 1
Employer signs a non-financial partnership agreement — no guarantees, no credit risk.
- 2
We market the benefit directly to staff on a voluntary opt-in basis, POPI Act compliant.
- 3
Employee submits ID, latest payslip and 3 months' bank statements.
- 4
We assess the application against full affordability and NCA checks.
- 5
The loan agreement is accepted electronically on the employee's phone.
- 6
Funds are paid out via e-wallet; repayments are deducted via payroll with written consent.
Why choose us
Responsible lending that protects employees and employers alike.
Registered Credit Provider
We operate under the National Credit Act and related South African credit regulation, with full transparency and compliance.
Zero Risk to the Employer
Your company is not the lender, does not price the loans and carries no credit, collections or regulatory risk. BCEA-aligned deductions.
Employee Well-being Focus
Manageable terms and affordability-first lending prevent over-indebtedness and help clients rehabilitate their financial standing.
Confidential and Respectful
A stigma-free, private application process with no workplace pressure and discreet, professional handling throughout.
Effortless Integration
Low-admin payroll process aligned with your existing deduction practice — implemented with minimal effort from HR.
5% Service Incentive
Employers receive a 5% commission on gross profit as appreciation for facilitating the administration of the benefit.
Contact us
Our marketing management team
Speak to us about an employer partnership, a staff information session, or a personal application at either branch.