Rating based on 19 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 December 9, 2022]

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 bad credit loans

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

The credit cost will usually be reduced more because they charge an initiation fee only once when the contract is put into place. This is a considerable advantage.

Unsecured credit transactions

My Financial Help wants to deliver a secure transaction. When they grant a bad credit loan online, it’ll be for the full amount. All repayments will be paid in fixed payments for the term that you specified. 

Once you’ve repaid your loan, you’ll need to apply again if you need another. Their maximum rate of interest 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

My Financial Help is determined to help you and 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, they offer bad credit loans that can help. 

My Financial Help's short-term credit options

My Financial Help provides short-term loans for bad credit. They offer loans of R8000 or less, with the option of up to 6 months to repay. You can choose your preferred loan period. 

This provider displays its 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. This provider is transparent and has no hidden fees.

Loan consolidation options

My Financial Help offer debt consolidation which involves them taking all of your current credit arrangements and combining them into one loan. The reason for this is to reduce your monthly payments and help you save.

It may help you to gradually close accounts that are not used to prevent 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 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.

Why South Africans prefer us

My Financial Help's loan repayment periods are between 24 and 60 months.

This is to allow you plenty of time to regain your balance and pay off your credit without stress. To achieve financial wellness, you must clean up your credit record.

This will exert a great impact on the rest of your life. You can use My Financial Help's online calculator to see your credit score and find tips on how to improve a negative history or how to secure a loan for bad credit.

Removing negative details from the credit bureau

Bad credit will often be referred to as blacklisting. This is a way of saying, you have negative information on your credit record. But this can be repaired by means of My Financial Help.

As of 2016, the NCA places restrictions on credit providers. This act further states that all customers can, by right, have poor credit information removed from their credit record.

This can however only be done once all their accounts are settled. This is an example of how My Financial Help is here to support you.

My Financial Help's loan calculator

On their website, they offer the use of a free loan calculator. It just requires a bit of information like your name, email address, and phone number. With this, you’ll be able to calculate your installments, costs, and savings. 

You’ll also see a detailed month-to-month breakdown of your balance. Make sure to refer to all of their terms and conditions and contact their consultants if you need assistance. Accept the terms and conditions when you're ready to apply for a loan and 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