Does using the calculator affect my RAF claim?

No. The calculator is anonymous and does not contact the Road Accident Fund or your attorney. It's purely a tool to estimate what you could access.

Free Tool

RAF Loan Calculator

Q: What's the difference between a RAF loan and a RAF advance?

They're used interchangeably in everyday language. Both refer to bridging finance secured against an expected RAF settlement — money you access now rather than waiting months or years for the RAF to pay out.

Estimate how much cash you can access against your Road Accident Fund settlement — in under 30 seconds, no application required.

Estimate your advance

Expected settlement amount

R 50 000R 5 000 000

Advance percentage

Most claimants qualify for 15–25% of settlement value depending on case strength.

Estimated advance

Typical processing48–72h

Disbursement1–2 days

Apply with these figures →

Estimate only. Final offer depends on documentation and claim assessment.

How the RAF Loan Calculator works

Road Accident Fund claims regularly take 18 months to 5 years to settle. If you've been injured in a motor vehicle accident and your attorney has filed a RAF claim, the long wait can stretch finances thin — exactly when medical bills and lost income hit hardest.

A RAF advance (also called a RAF loan or bridging finance) lets you access part of your settlement value now, repayable from your eventual payout. The calculator above gives you a quick view of what that figure could look like for your claim.

The calculation, plainly

Enter the settlement value you and your attorney expect, choose an advance percentage (typically 15–25%), and the tool returns the indicative cash amount. We cap advances at 25% of expected settlement to keep repayment comfortable when your RAF payout arrives.

What affects the actual offer

Stage of your claim — claims closer to settlement attract higher advances.
Attorney involvement — claims represented by RAF specialist firms qualify more readily.
Liability clarity — clear-fault claims (where the RAF's liability is established) carry less risk.
Documentation — medical reports, police reports, and the RAF1 claim form on file.

Frequently asked questions

A RAF advance is typically capped at 20–25% of your expected settlement value. The exact amount depends on the strength of your claim, your attorney's assessment, and how close you are to settlement.

No. The calculator gives you a fast, indicative estimate. The actual offer comes after we review your claim documents, attorney details, and case status.

Once your application and documents are complete, approval typically takes 48–72 hours and funds are disbursed within 1–2 business days after that.

No. The calculator is anonymous and does not contact the Road Accident Fund or your attorney. It is purely a tool to estimate what you could access.

They are used interchangeably in everyday language. Both refer to bridging finance secured against an expected RAF settlement — money you access now rather than waiting months or years for the RAF to pay out.

Ready to apply with these figures?

Submit a 3-step application — we'll come back within 48 hours with a real, document-verified offer.

Start your application →