Wonga is a financial services company offering short-term, high-cost loans primarily online. It operates in several countries, including South Africa, where it provides loans from R500 to R4000 with flexible repayment terms[2][4]. Wonga's unique selling proposition is its fully automated lending process, allowing for quick, objective decisions without paperwork[4]. The target audience includes individuals facing temporary cash flow issues, such as unexpected expenses[4]. Despite criticism for high interest rates, Wonga emphasizes responsible lending and offers financial literacy programs through the Wonga Money Academy[4].