Rating based on 5 reviews



  • Personal loans bad credit 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 22, 2020]

About Fincheck

Fincheck is an online financial and loan comparison website that operates throughout South Africa.

Fincheck has joined the loan comparison market with a mission to make the process of finding a loan much easier and simpler than ever before.

We know that people are looking for a lender that will offer them the most attractive repayment terms, interest rates, and packages. We’re here to help them find them.

Striving to offer you a better financial future

There’s nothing more stressful than making a financial decision. Specifically, when it comes to things like personal loans and debt consolidation.

Many people are victims of making a bad financial decision which results in bad credit and serious difficulty in accessing credit. Fincheck gives you access to many lenders to help you make better decisions.

Every financial decision counts

Fincheck makes use of a unique platform that will help you build a better financial future by making every decision count.

We have an incredible system that sources the most accurate and up to date financial products based on your financial profile and needs.

We’ve designed our platform to be a user-friendly interface that allows you to make appropriate and informed financial decisions.

Why choose Fincheck

Fincheck’s services are free of charge. We’re not only helping you save time, effort, and money, we’re also helping you improve your credit score. Furthermore, using Fincheck's online process means you are protecting your credit score.

Fincheck Services

Through Fincheck’s simple comparison site, you can reach plenty of credit providers in just a minute.

A comparison site does not only assist you in finding the best loan, it ensures that your loan finding process is simple and safe.

Your bad credit shouldn’t be a barrier

When you have bad credit, many lenders are afraid of assisting you. Or rather take a chance of giving you a loan since you’re considered high-risk.

Through Fincheck, you’ll be able to get the best bad credit loans to cover your financial needs.

The lenders we work with are more than willing to give you a second chance to take responsibility for your finances.

A personal loan at Fincheck

A personal loan is also called an unsecured loan. It’s an incredible way of getting cash whenever you need it.

You can use the money for an emergency, home improvements, or leisure activities like spas, retreats, and holidays.

With a personal loan for bad credit, you can get from R1,000 up to R250,000 with a maximum repayment period of 72 months and a minimum of 3 months.

How to compare loans through Fincheck

It’s simple to use our comparison site. All you need to do is fill in some basic information to help us understand exactly what you’re looking for.

We then perform the comparison on our website and within a few seconds present you with the specific quick cash loan options that suit your needs.

Fincheck – Personal loan bad credit

  • Loan Type Personal loans bad credit
  • Interest Rate 1628% p/a
  • Loan Amount up to R250,000
  • Repayment 3 months to 72 months

Benefits of Fincheck

  • Apply within 2 minutes
  • Compare offers and apply online
  • Consolidate debt into one easy payment
  • Use our financial tools

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’re here to provide you the best loans in South Africa

Applying through Fincheck means less paperwork. Forget paperwork and visiting a lender’s branch.

Our online loan application process can be finalized within a few minutes. On our website, we also have a loan calculator which will help you determine the possible cost of the loan you need. So that when you decide to proceed with the application you already know what you’re getting yourself into.

How to apply for a loan through Fincheck

Applying for a loan online is much easier. You need to follow the following steps and you might get cash into your pocket within a few hours.

  1. Fill out the instant loan application form - This step will allow you to choose the product category you are interested in. Be as accurate as possible so that we can match you with financial products that fit your financial profile.
  2. Fincheck loan hunts for you and get you the lenders who are most likely to offer you an affordable bad credit loan.
  3. Our amazing technology gets to work on matching your financial profile with the right banks or lenders. This includes matching your financial needs with the criteria banks and lenders have and cutting out options that will not work for either of the parties.

Enjoy the Fincheck experience

You relax while comparing your loan options. After you’ve submitted your form, our engines will get you unique results matching your financial needs and profile. You’ll compare the options and choose the product you’ll be able to fully afford.

Apply directly to the lender

After you’ve compared the options, you know exactly what lender you’re going to work with. You simply click the apply now button - and you’re sorted! The lender or bank will get back to you to offer you finance based on the information you supplied.

Who can apply for a Fincheck loan

Before you apply for a bad credit personal loan you should be:

  • Above 18 years old
  • Permanently employed
  • A South African citizen

How to get hold of Fincheck

When you need access to Fincheck services, there is no other way of doing it than by visiting our website. If you have a question or a query simply leave a message on our website, one of our consultants will get back to you.

Customer Reviews & Testimonials

March 2020

I was once an online crime victim. But when I came across Fincheck, I decided to take my chances. Their service is incredible, this is the best chance I ever took.

Leonard G
— Johannesburg —

November 2019

I managed to get a low-interest rate loan through Fincheck.

Mercy B
— Mpumalanga —

September 2019

I like the fact that Fincheck works only with registered credit providers. It is really exciting to see that they care about our safety.

Lean K
— Free State —

Fincheck Contact

Contact Number

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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