Rating based on 60 reviews

Cyber Finance


  • Specialised Debt Solutions
  • Expert Finacial Advice
  • Bad Credit Loans

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Cyber Finance homepage

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

About Cyber Finance

Cyber Finance takes great pride in the team on agents that we have because they are the reason a number of customers feel at home

It also gives us great pleasure as an organization to know that clients are happy with our debt counselling and quick loan services and consultants because this means there is something we are doing right.

Personal bad credit is nothing to be ashamed of

Everybody will hit a rough financial patch every once in a while. This is not always due to not having a savings plan but sometimes due to the insufficient funds you have on your bank account. Cyber Finance will help set your expenses in line with your budget so that you never feel like you are paying more than you actually should.

New payments options

When a new payment plan has been implemented, you will be able to pay it off without the constant worry that there might be personal loans for bad credit you are overlooking. Nobody wants to skip a payment and with our help, there won’t be a need.

It is important that you don’t try to figure everything out on your own when our doors are open to help get things right with your finances. Let us help get everything back on track and start a whole new page in terms on your credibility.

Cyber Finance Services

While money might seem like “an easy to have” for some people, it becomes difficult to manage it for others.

At Cyber Finance, we will help you handle your finances so that you never find yourself in a situation that isn’t pleasant to be in. When you budget, you teach yourself how to spend your money and what is worth the expense.

Need a little help with debt restructuring?

If you would like us to intervene in your debt challenges or assist you with debt review, we can always advise that you consider the debt restructuring. We will call your creditors directly and notify them of your current financial situation and what will happen going forward. Furthermore, we will notify them that they shouldn’t bother you with phone calls.

What is a debt assessment?

When you decide to do our free debt assessment, you will be basically assessing your financial status. The results that come after the assessment will determine the steps that you have to take. It might be a case where you have to consider debt consolidation; start being mindful of your money and where you spend it or you might be still on the right track. The only way to find out is to actually do the debt assessment and see where you stand. What is even better is it is free so there is absolutely no charge to you!

Cyber Finance – Personal loan bad credit

  • Loan Type Personal loans bad credit

Benefits of Cyber Finance

  • Comprehensive debt solutions
  • Financial advice available 
  • Quick review and application

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.

We adhere to the regulations of the National Credit Regulator

One of the key mandates of the NCR is to ensure that customers are well within their way as far as their finances are concerned.

When there has been a drastic increase in debt management, the National Credit Regulator has to intervene. At the end of the day, customers should know that they can count on us to help them manage their expenses better. Everybody deserves a second chance even the people that have been labelled as bad payers in the past.

We believe in second chances

There is a number of people who learn from their previous mistakes and always strive to do better going ahead. Sometimes, all you need is something bad to happen and a lesson in the midst of it all. A customer can always start from scratch and do things slightly better and with more caution this time around.

When we started operation of this nature we had no idea it would go to become what it is today. We also know that the reason we have improved so immensely is due to customers who chose us and have kept at it. It seems like we are returning the favour when we make sure that a customer applying for a loan online gets the best kind of deal. We just want to make sure that our clients are happy with the services that we offer.

A number of awesome testimonials

It gives us great pleasure to know that our customers have been succeeding immensely after being assisted by Cyber Finance. This is always the evidence that we need that indeed there is something we are doing right and we will keep at it. Get in touch with Cyber Finance today and let us make your personal bad credit loan journey slightly better to travel.

Customer Reviews & Testimonials

June 2019

They are always around when you phone with a query it makes you feel great to know that there is always someone there willing to help.

Jessica B
— Cape Town —

April 2019

Keep up the fantastic work and I will be back any day that I need a loan.

Tim J
— Cape Town —

Cyber Finance Contact

Physical Address

  • Oxford House, 17 Park Lane, Century Way, Century City Cape Town Western Cape 7441 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 15:00
  • Saturday – Closed
  • Sunday – Closed