Rating based on 6 reviews


  • Personal loans 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 December 8, 2022]

About Fincheck

Fincheck has always had one solid goal set out for itself from the start – to help bring easy access to finance to all South Africans.

They aim to do this at a fraction of the price and hassle one would usually encounter when taking out a loan. Fincheck has prided itself, throughout the years, on providing that - with a smile. Their customer service is renowned as friendly and efficient. It's no secret that they hold their staff who speedily assist you with all your personal loan needs in high regard.

What Fincheck is, and what they do

Fincheck is essentially a brokerage company, or middle man if you prefer. They use their savvy in the business and financial world to find you the best deals that are available.

They also strive to deliver the best deals that you’re eligible for and bring them straight to you with no hassle or fuss.

Fincheck will get in contact with their broad database of private investors and micro-loans, and engineer a loan option that includes everything that you need. Checking eligibility with this flexible broker can go a long way!

What does Fincheck bring to the table?

Fincheck is a unique online lending platform. They will your life easier. With their easy-to-use and reliable online service, they can have you linked up with a suitable lender within 24 hours.

Fincheck delivers a variety of services, from personal and vehicle loans to home and car insurance.

While they cover a broad range of services, this doesn’t distract them from tending to the finer points of your needs. Especially when it comes to personal loans, an area of expertise that they consider their forte. They even supply blacklisted loans!

Fincheck Services

With so many untrustworthy lenders out there in this day and age, we can understand why it’s difficult to trust any company, let alone an exclusively online lender!

This is where Fincheck's slough of happy customer reviews comes in, so you can get an idea of exactly why they're relied upon so heavily when it comes to securing quick loans online. As a responsible and reliable broker, they put you in touch with only the finest lenders.

The kind of lenders Fincheck deals with

Fincheck is a completely unbiased lender, meaning that they don't discriminate against customers or the companies they deal with. While unsuitable lenders are cut from the tethers of their dealings, they have no particular company that they prefer to deal with or would favor over another.

They simply provide access to those who have the best rates and rewards for your pocket. This way you get the best available service, and the agreements they have with the lending companies with who they work have no influence on your loan. 

How does this process work?

Fincheck's processes are as easy as 1, 2, and 3! The first step is to go on over to their site, and key in your details.

They have a quick and easy registration process, apply for a loan with the simple online loan application where you’ll pick the loan you require, the amount you’re aiming to borrow, and leave the rest to them.

They do the tough stuff, comparing quotes among their enormous panel of lenders. They have almost 500 companies in their database, which spans 27 categories. This ensures that you always get the top deals, and have the freedom to pick the ones that suit you best.

Fincheck – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1628% p/a
  • Loan Amount up to R250,000
  • Repayment 3 months to 72 months
  • Decision 2 minutes

Benefits of Fincheck

  • Easy online application
  • Bad credit loans available
  • Affordable instalments
  • 24/7 access

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Fincheck handles personal loans with finesse

Fincheck starts the process by making sure you understand exactly how they work when it comes to loans.

They'll then discuss what they need from you, and what the various lending companies in contact with them have the capacity to offer you.

They handle personal loans with the same flair and reliability that they handle all their dealings at Fincheck. They offer a wide variety of instant online loans, which you'll love! With better rates and quicker service, how could you not use this brilliant service to save?

Application and approval online

Because Fincheck's have no brick-and-mortar establishment, their savings are passed on to you through lower interest rates and fees.

It also means that they operate exclusively online, through their website and various forms of social media you can interact with them through.

To apply you’ll need a copy of your ID, proof of residence, your last payslip, and your 3-month bank statements.

These 4 items are all you’ll need. With these in hand, they can assess what loans you qualify for, and what rates and repayment terms you should enjoy.

Fincheck will take it from there!

With this data, Fincheck's dedicated employees filter through their systems and begin to list the offers best suited to your needs. They offer quick cash loans from R1000 to R250, 000 - and even higher if you have the right credentials and affordability.

The company you take out a loan with may charge you an initiation fee, a fee for the services rendered, and interest as agreed in your loan contract.

They offer these loans from a period of as little as 3 months to a total of 72 months, although special arrangements can be made in extraordinary circumstances.

Remember, no matter your needs, Fincheck is ready to help you through any difficult times, and get you approved for a personal loan when you need it most!

Customer Reviews & Testimonials

September 2019

Fincheck has always made me comfortable when it comes to taking out a loan. I won’t look for help with anyone else.

Marie A
— Cape Town —

August 2019

I have always used Fincheck’s loans and I don’t see why I wouldn’t – they make me feel comfortable about lending money.

Gunther G
— Johannesburg —

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