A rider taking a drink beside his bike in city traffic

You’re not a credit risk.
You’re a driver.

You earn every day. The bank can’t see it. We can. Tesha reads what you actually do — across every app — and turns it into the credit history they couldn’t.

The brand · in our own words /tɛʃa/ · verb · noun
TESHA.
To put in the work. To show up before sunrise and stay out past last drop. The fuel of the hustle.
In a sentence

"Bra, ngiyatesha la phandle, ngifuna ukuthenga umuzi wami ngonyaka ozayo."

Bra, I’m out here putting in the work, I want to buy my own house next year.

This is who we are. It’s who we serve.

A taxi rank at dusk, produce stalls and commuters around the vans

They see a missing payslip.
We see your week.

Your shifts. Your fares. Your drops. Your school fees, your rent, your repayments. Already on time, already on record — once someone bothers to look.

Problem 01 A driver counting notes at the wheel at night

You borrow from people who destroy you.

A blown tyre. A slow week. The bank says no. The corner says yes, at a rate per week, not per year. A loan built to bury you, not build you.

Problem 02 A driver at the wheel at night, paperwork spread across the seat

Years of discipline.
Erased the day you move.

A lifetime of repaying on time. Of saving. Of looking after the people who depend on you. Change cities, switch platforms, lose a contract — none of it counts. You start from zero, again.

Problem 03 A shopper carrying grocery bags out of a store

Full retail.
For everything.

Full retail on fuel. Full premium on insurance. Full price on tyres. None of the bulk power that comes from belonging to something bigger than yourself.

Problem 04 A driver standing beside his car on a township street at sunset

Five years driving.
Nothing owned.

The car is your factory floor. Rent-to-own at above-market rates. Pay every month. Build no equity. After five years, the floor is still not yours.

The answer we built — Tesha Circle →
Problem 05 A driver talking and laughing with others beside a car

No way to bring your people up with you.

School fees in Mthatha. A roof for a parent in Limpopo. A start-up loan for a sister in Diepsloot. The bank has no product for any of it. Families improvise — at rates that hurt. We’re building the safe way.

A driver at the wheel with the app mounted, city traffic ahead
Our competitors are building a better payday loan.
We’re building the institution that makes the payday loan unnecessary.
Members. Owners. By the workers who needed it most.

This is what
R50 buys.

Not a product you apply for. A membership you belong to — the same one every driver on the road should have.

Funeral cover

Towards arrangements when a family needs it most, so nobody has to go around collecting money.

Roadside & legal

Two in the morning, on the side of the road — one call and someone comes. And a line to real lawyers when life needs one.

Petrol when you’re short

A tank before payday, taken from your platform payout before the cash reaches you. It repays itself — and builds the credit record you have never been allowed to have.

Join the waitlist → No interest. No markup on a car. No profit from a penalty. Every rule is published before you sign. Joining the list is free. Cover is provided with licensed partners, and full product terms are published to members before anything activates.
An older driver at the wheel, years of it in his face

76 of every 100
came back for a second tank.

More than R2 million of petrol loaded since October 2024, on a card ledger instead of a credit score. Nobody was asked for a payslip.

Tesha card ledger, October 2024 – August 2026.

Join the waitlist → Rolling out onAndroid · Google Play Where we’re going