Rating based on 11 reviews

My Financial Help


  • Expert Financial Advice
  • Low-interest starting from 28%
  • Repayment up to 5 years

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My Financial Help homepage

Author My Financial Help. Screenshot of My Financial Help website. [Accessed June 8, 2020]

About My Financial Help

With support from My Financial Help, you can consolidate your debt into one easy payment.

This ensures you’ll secure much more affordable monthly payments instead of paying loans and fees to numerous banks and lenders. You’ll have less stress with fewer accounts to manage, and all your accounts will be in one place. Grouped interest rates from My Financial Help are more affordable and there are fewer fees with one main account. My Financial Help will assist you to calculate your new payments.

Unsecured credit facilities

Credit facilities include credit cards, store cards, revolving credit plans, and overdrafts. These will typically have the lowest interest rates of any unsecured credit product. This is because credit providers have a maximum amount that they can charge. 

The cost of the credit will usually be further reduced because there is only one initiation fee when the contract is put into place. This is a considerable advantage.

Unsecured credit transactions

We want to deliver a secure transaction at My Financial Help. When we grant a bad credit loan, it’ll be for the full amount. All repayments will be paid in fixed payments for the period that you specified. 

Once you’ve repaid your loan, you’ll need to reapply if you need another. The maximum interest rate for these loans is 21%. This should give you peace of mind that the interest rate will not increase beyond what you can manage.

My Financial Help Services

We’re determined to help you out that we even provide free workshops. These workshops deliver talks about financial wellbeing.

Not only for you, but for financial institutions and for the employees of these institutions. If your finances are in a rut, you might feel the need to get another job or borrow from friends and family. But look no further. My Financial Help is the financial institution for you. Even with a poor repayment history, we offer bad credit loans that can help. 

Our short-term credit options

My Financial Help is here to provide you with short-term loans for bad credit. We offer you loans of less than R8000 with the option of up to 6 months to repay. You can choose your loan period. 

We display our interest rates clearly so that you can choose the most appropriate option for your budget. Rates change regularly and you must act quickly to choose the best rate. We’re transparent and have no hidden fees.

Our loan consolidation options

We offer loan consolidation which is a process whereby we take all of your existing credit agreements and roll them into one loan. The reason for this is to reduce your monthly payments and help you save.

We strongly recommend that all of our clients gradually close accounts that they are no longer using to avoid any unnecessary debt. You’ll need to manually close these accounts. Fees and account charges will easily keep your account open, so be wary.

My Financial Help Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 28%
  • Repayment 2 years to 5 years

Benefits of My Financial Help

  • Bad credit Loans
  • Financiers who care
  • Cheap and easy repayments
  • Helpful 24/7 service
  • Repayments between 2 and 5 years

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.

Why South Africans prefer us

Our loan repayment periods are between 2 and 5 years. This is to allow you plenty of time to regain your balance. 

To achieve financial wellness, you must clean up your credit report. This will exert a huge influence on the rest of your life. You can use our online calculator to see your credit score and find tips on how to improve a negative history or how to secure a personal loan for bad credit.

Removing negative information from your credit report

Bad credit will often be referred to as blacklisting. This is just a way of saying, you have negative information on your credit report. But this can be removed with our help. 

As of 2016, the National Credit Act places restrictions on credit providers. This act further states that all customers have a right to remove negative information from their credit history.

This can however only be done once all their accounts are settled. This is an example of how we’re here to support you.

Our loan calculator

On our website, we offer use of a free loan calculator. It just requires a bit of information like your name, email address, and phone number. You’ll be able to calculate your installments, costs and savings using it. 

You’ll also see a detailed month to month breakdown of your balance. Make sure to refer to all of our terms and conditions and contact our consultants if you need assistance. Accept our terms and conditions when you are ready to apply for a loan and let’s get your finances in order!

Customer Reviews & Testimonials

August 2019

The free loan calculator was a great expectation of what I will be paying

Jeffry U
— Grahamstown —

July 2019

My Financial Help gave me great advice

Samuel T
— Port Elizabeth —

October 2019

Excellent service and easy to understand
Mieke A
East London

Mieke A
— East London —

My Financial Help Contact

Contact Number


  • not available


Physical Address

Postal Address

  • 2 Spearhead Business Park Montague Drive Marconi Beam 7441

Opening Hours

  • not available