Rating based on 12 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 June 8, 2020]

About Fincheck

We’re here to provide South Africans with a better financial future, one decision at a time.

We offer personal and bad credit loans, as well as debt consolidation options that help our customers start living again. We’re here to help turn your situation around, even when other lenders have failed to. 

A variety of options, tailored to you 

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

These can be short-term, or long-term loans, from a minimum of R8000 with no maximum value cap. You have the freedom to choose how you want to spend your money. We also offer vehicle insurance and life insurance to cover your family in the case an unforeseen event occurs. 

Getting to know us

We’re an online financial services and loan comparison website designed to help our fellow South Africans get cash when they need it most.

We’ve partnered with many of the country’s largest banks and microlenders to bring you the most competitive offers. Our mission is to make the loan process easier and simpler than it has ever been before. 

At FinCheck, we believe that every financial decision counts. When dealing with customers and clients, we strive to deliver excellence. Customers know they can depend on us, and this is how we build enduring relationships.

Fincheck Services

Our platform delivers a variety of services right to your fingertips.

Our website has a range of tools and features to make our services even better. We have a chat section on our website that allows you to directly speak to a consultant. We’re delighted to help you with any questions that you may have about our range of short-term loans.

Our bad credit loans

Your credit score reflects your financial history. If your score is low, it makes it difficult to lend money, but here at FinCheck, we offer 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 us as we compare numerous lenders, and offers, but only run a single credit check.

How to apply for your bad credit loan today

Even though you suffer from a bad credit history, we can help you. We know the challenges that come up in life and are here to give you a second chance.

This is why FinCheck allows people with poor credit to apply for a bad credit loan in under 2 minutes.

Once you’ve been approved, we’ll compare all offers and suggest the most suitable ones. We require a bit of information to get the application process started. 

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 loans available
  • Affordable installments
  • 24/7 access
  • Between R1000 and R250 000 accessible
  • Easy repayment periods between 3 and 72 months

Bad credit loans 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 Online loan calculator is subject to our terms of use.

Easy ways to get a loan through FinCheck

We want to provide you with the best quality service. We ensure our lenders are competitive and reputable. We'll not allow you to use a lender that does not suit your needs.

We compare many different loan options as well as personal finance, travel, and investments. We’re the best comparison website for people that don’t have perfect credit. Not only do we make things easy, but we get them done fast.

Why you should use FinCheck

We want to transform 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. We offer a free service to all South Africans, and our business is 100% independent. This means that the loan offers that we provide are completely honest and are suited to all of your personal needs. 

We supply you with quick comparisons and a simple online loan application. We do this by asking the right questions, and saving you time.

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

Banks and insurance companies we work with

We work 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. We work 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

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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