Rating based on 24 reviews


PicotiFin homepage
Author PicotiFin. Screenshot of PicotiFin website.
[Accessed April 5, 2018]

About PicotiFin

PicotiFin is a South African personal credit provider based in Alberton and operating nationwide.

With the latest’s technological advances at their fingertips, they have revolutionised the application process. Simply log onto their website and complete the application form; they'll find you a tailored financial solution.

A loan finding service

Once PicotiFin has received your application and supporting documents, they'll match you to the payday loan that's perfect for you. They find you affordable loans tailored to suit your budget.

If you've been blacklisted or have a low credit score, they can still find you flexible and affordable loan options.

They'll get back to you within 30 minutes with loan offers you can compare. The best part is, their service is free of charge and you aren't obligated to accept the loan offers.

A loan service with added benefits

PicotiFin can also help you convert your pre-paid cellphone service to a contract service. Giving you more freedom on your plan and a host of extra benefits.

Their company was established in 2001 and has an excellent reputation for its products and services. They've helped thousands of clients get the financial boost they need.

PicotiFin Services

They're experts at finding you quick personal loans that are safe and suit your needs.

Complete the online application, and they'll get back to you in minutes to let you know if your loan has been approved and for how much.

Their interest rates are highly competitive, while the repayment terms they offer give you maximum flexibility.

Picotifin has a solution to your 

They know how challenging it can be to stretch your salary to cover living expenses and pay all your bills. It becomes even more complicated when emergency expenses arise, and you're left scrambling to find a way to stretch it even further.

Affordable online loans

Whether you have to pay for an emergency car repair or get medications for a family member, they can help you with the right loan. Their fast and affordable online loans in South Africa are designed to help you get out of any financial difficulty with ease.

Submit your application, and they'll arrange the ideal loan for you. Their goal is to get you the payday loan you need when you need it most.

PicotiFin – Payday loan

  • Loan Type Payday loans

Benefits of PicotiFin

  • PAYDAY Loans 
  • PERSONAL Loans
  • INSTANT Loans

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

PicotiFin is a lender specialising in the provision of personal micro finance

Even if you have to borrow money urgently, you should still check how favourable the deal is and if you can afford payments on the loan.

It's essential to evaluate popular products in advance to compare different offers and make an informed decision.

Personal loans

PicotiFin is a lender specializing in the provision of personal finance. Their company has been operating since 2001 and has secured a stable position in the market.

Their products are available online, making them accessible to all South Africans. You can expect a friendly professional service that's designed to accommodate you.

With PicotiFin's payday loans, you can borrow the maximum amount available as long as you meet the basic requirements.

Borrow as much as you can afford to repay

They're a responsible lender and aim to help you avoid getting caught in the debt trap. They'll look at your affordability and lend you as much as you can comfortably afford to repay.

PicotiFin's payday loans have a repayment term of 1 month. The lender will automatically debit the principal amount plus interest and fees from your bank account on the due date.

The loan agreement they provide will detail the loan repayment with a breakdown of the fees to give you the exact amount you need to budget for.  This way, you'll know if you can afford the repayment of the loan before you sign the agreement.

Loan terms

If you need to borrow a more significant amount of money, a long term personal loan is the best option. You can choose a repayment term of 3, 6, 12, 18, 24 or 36 months depending on the loan amount.

The more you borrow, the longer you'll have to repay your loan. The instalments are reasonable, but you have to keep in mind that the longer term will result in more interest payments and make the loan more expensive.

PicotiFin gives you a safe, fast way to apply for credit you can afford. They'll help you get the best bad credit loan South African lenders have to offer.

Customer Reviews & Testimonials

March 2019

Applying for the PicotiFin took me less than 15 minutes to complete. Their online application was easy to understand and follow through.

Nicole B
— Nelspruit —

July 2018

Within one business day, I had already received feedback about my loan application.

Alistair J
— Barberton —

PicotiFin Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday Closed –