Rating based on 31 reviews

Cube Finance


  • Personal loans bad credit up to R20,000
  • Low-interest starting from 28%
  • Repayment up to 3 years

In-page navigation

Cube Finance homepage

Author Cube Finance. Screenshot of Cube Finance website. [Accessed July 24, 2019]

About Cube Finance

A credit provider that finally says yes! It is no secret that there are many registered financial providers that often turn down customers who apply for a quick cash loan.

This doesn’t mean you should lose hope if you have been given a thumbs down, it just means you have to look elsewhere.

Cube Finance is a credit provider that will do everything possible to ensure that you get the amount of money you have applied for.

No restrictions on your loan application

There are a number of registered financial providers that normally ask you what you intend to use the money for. Cube Finance will not dwell into such questions. What matters to us is the fact that we were able to give you one of our bad credit personal loans.

Additionally, we know that our customers will never apply for a loan only to spend the money in a reckless manner. This means customers can apply at any time and we will attend to their credit requirements.

As long as you meet our credit criteria, you will get the payday loan on the same business day. The only time we might not assist you in terms of our loan is when we feel like you already have too much on your plate.

Cube Finance Services

Why do you need to use my credit report? The credit report is done so that we can check whether you meet the credit criteria we are looking for or not.

The personal details that are stipulated on your credit report will not be shared with any third parties. This is mainly so that we can see the number of loans and credit cards that you have and the payment pattern that you have with them.

What is Financial Wellness?

There is a huge trend that is going around that makes customers make ten steps backwards instead of moving forward by taking our short-term loans that are expensive and cause more problems. It is important that clients try to live a life they can afford. Failure to do so will not only put them into further debt, it will make their lives increasingly difficult to sustain.

Financial Wellness at Cube Finance is striving towards reaching a stage where a customer can afford the things that he buys and refrains from purchasing things he can’t.

There is only so much you can do with money but if you don’t have any, don’t put your credit profile on the line for something that can wait until your next salary date.

Cube Finance – Personal loan bad credit

  • Loan Type Personal loans bad credit
  • Interest Rate from 28%
  • Loan Amount up to R20,000
  • Repayment 6 months to 3 years

Benefits of Cube Finance

  • Focused on financial wellbeing
  • Easy cash loans
  • Flexible repayments
  • Professional advice available

Personal loan bad credit 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.

What is the criterion for a personal bad credit loan at Cube Finance?

In order to qualify for the credit, you have to be above the age of 18 years old and you should have a clean criminal record. If we find that you have been dismissed or charge with a certain offence at your workplace or anywhere for that matter, we will not be able to assist you.

Are there certain charges of the services used at Cube Finance?

There are certain charges for the services that we use at Cube Finance. The customer will decide which one he would like to use and he would then be expected to pay the service fee.

Your personal details are confidential

The only time we might reject your quick loan application is when we can clearly see that you are not financially equipped to pay off the loan. This could be due to the fact that there are other loans you are paying for.

Once you have finished paying off your other financial obligations, you are welcome to try again. There is nothing stopping you from applying for credit in the future as long as you will be able to carry on with some of your other expenses on a monthly basis.

Every consultant that is employed at Cube Finance has an obligation of the privacy policy to adhere to. This means that every information that is shared with the agent should not be used for any other purpose other than that of a personal bad credit loan.

It is understandable why customers don’t want their confidential information being shared with anybody and we respect that and abide by it too. Failure to do so will result in the immediate dismissal of a consultant. We are a company that takes privacy and quite seriously and if we find that our own employees are not following the procedure, disciplinary measures will be taken into careful account.

I would like to apply for a Cube Finance personal bad credit loan

There is no need to ask for some time off work because everything can be done online without even leaving your work computer. Technology has made things so much easier for us that customers can make online credit applications at the comfort of their own homes.

Ready to start saving the Cube Finance way?

Let us help you get an online cash loan that will make life easy to live and lessor to finance with our bad credit loans.

Customer Reviews & Testimonials

June 2019

Yes, I got my loan and my credit score was super low let's just say that they have totally made my day.

John M
— Port Elizabeth —

June 2019

They have totally made my day and I couldn’t be happier I never knew that I could apply for a loan even though I had very bad credit they have approved me.

Jonty M
— East London —

May 2019

The application is super easy and now I am about to take the leap and see if the company will help me.

Candice S
— Uitenhage —

May 2019

I have managed to pay off all my debt with the help of the company cause they care and they have helped me to get further.

Mike T
— Pretoria —

Cube Finance Contact

Physical Address

  • 3 Crozier Street, Stellenbosch Cape Town Western Cape 7600 South Africa
  • Get Directions

Opening Hours

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