Rating based on 19 reviews


  • Bad credit loans up to R250,000
  • Low-interest starting from 16%
  • Repayment up to 72 months

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Fincheck homepage
Author Fincheck. Screenshot of Fincheck website.
[Accessed December 9, 2022]

About Fincheck

Fincheck strives to provide South Africans with a better financial future, one decision at a time.

They offer personal and bad credit loans, as well as debt consolidation options that will help you finally start living again. They're ready to help turn your situation around, even when other lenders have failed to.

A variety of options, tailored to you 

FinCheck provides you with a variety of credit options. Not only do they offer bad credit loans, but they also help with loans for people with good credit.

These can be short-term, or long-term loans, from a minimum of R8,000 with no maximum amount. You have the freedom to choose how you want to spend your money. Fincheck also offers vehicle and life insurance to cover your family in the event that an unforeseen incident occurs.

Getting to know Fincheck

Fincheck is an online financial services and loan comparison website designed to help South Africans get cash when they need it most.

They've partnered with many of the country’s biggest banks and microlenders to bring you the most competitive offers.

Their mission is to make the loan process easier and simpler than it has ever been before - and they continue to push the limits.

FinCheck believes that every financial decision counts. When dealing with customers and clients, they strive to deliver excellence. You can depend on this lender - this is how they build enduring relationships and continue to grow their business.

Fincheck Services

Fincheck's leading platform delivers a variety of credit services right to your fingertips.

This lender's website has a range of tools and features that make their services even better. They have a chat section that allows you to directly speak to a consultant.

They’re delighted to help you with any questions that you may have about their range of short-term loans.

Fincheck's bad credit loans

Your credit score reflects your financial history. If your score is low, it makes it difficult to lend money to you but FinCheck will try to help - starting by offering advice on how to improve it. This can be as simple as paying your installments on their due dates. 

Always spread out your loan applications as whenever you apply, credit companies keep a record. This will lower your credit score, and lenders will not want to approve you.

This is why you should apply through Fincheck - they compare numerous lenders, and offers, but only run a single credit check.

How to apply for your bad credit loan today

Even though you have a bad credit history, Fincheck can help you. They know the challenges that come up in life and are here to give you a second chance.

This is why FinCheck allows people with bad credit to apply for a loan online in under 2 minutes. They require a bit of information to get the application process started. 

Once you’ve been approved, they’ll compare all offers and suggest the most suitable ones. 

Fincheck – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 1628% p/a
  • Loan Amount up to R250,000
  • Repayment 3 months to 72 months
  • Decision Same day

Benefits of Fincheck

  • Easy online application
  • Bad credit is welcome
  • Fast loan comparison

Bad credit loan calculator

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

Get a loan through FinCheck in just minutes!

Fincheck is a reliable lender that strives to deliver the best quality service.

They ensure their lenders are competitive and reputable. They won't allow you to use a lender that does not suit your needs.

Fincheck compares many different personal loan options as well as travel packages, and investment options. They’re the best comparison website for people that don’t have perfect credit. Not only do they make things easy, but they get things done fast.

Why you should use FinCheck

Fincheck is transforming the way people with poor credit are treated, while also ensuring they make better financial decisions. We all face complex financial situations and having access to credit is a blessing.

This lender offers a free service to all South Africans, and their business is 100% independent. This means that the loan offers that they provide are completely honest and suited to all of your personal needs.

Fincheck supplies you with quick comparisons and a simple loan application. They do this by asking the right questions and saving you time.

Hoping to build a better financial future for you and your family, they give you exclusive tips on how to save money. They also help you make the most of the credit you have access to.

Partner banks and insurance companies

Fincheck works with some of the best and most advanced insurance companies and banks in the country. This includes Bayport Financial Services, Debt Busters, African Bank, 1Life, MiWay, Budget Insurance, Auto General, and Dialdirect.

These are all distinguished and reputable companies that each have their particular strengths. Fincheck works with only the best in the business, so you don’t have to worry about a thing!

Customer Reviews & Testimonials

June 2019

I was very surprised to hear that I could still get a loan

Malaika L
— Gauteng —

August 2019

My bad credit loan got transferred into my account so quickly

Aphiwe D
— East London —

March 2019

I received so many comparisons

Daniel H
— Durban —

Fincheck Contact

Contact Number

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Physical Address

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours