Rating based on 21 reviews



  • Low-interest starting from 15%
  • Repayment up to 2 years

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PicotiFin homepage

Author PicotiFin. Screenshot of PicotiFin website. [Accessed April 5, 2018]

About PicotiFin

For the past 10 years, we have gone out of our way to ensure that we provide clients with personal loan amenities to everyone who meets our credit criteria.

Seeing that time is the essence, we have ensured that we work fast and efficient so that customers get the best deals when it comes to their credit.

Fast and easy service

We will not make you wait for weeks on end without giving you the feedback about your loan application. By making use of our quick online loan, you will know the outcome in two business days at most.

Affordable interest rates on your personal loan

We are known to give the best short-term micro-loan not because we have given ourselves such credit but because our customers remain impressed with our interest rates figures. At the end of the day, we have to ensure that our clients are pleased with our services.

PicotiFin Services

The fact that things have become expensive has made it even harder for a household to save.

Further, the personal budget management becomes an even harder mission to complete. Nonetheless, we have tried to ensure that everyone gets the best credit deals. It is for this reason why we always try to favour the client in every condition.

Interest rates everybody can afford

Money has a tendency of running a little short especially when the month is drawing to an end. By applying for a payday loan, you will be able to make due at least until you get your next paycheck.

Effective loan application method

The personal micro-loan that we offer is a financial deal you can afford and still be able to attend to your other monthly expenses without hindering your credit profile.

PicotiFin Product Details

  • Loan Type Personal loans
  • Interest Rate 15 – 25.99% p/a
  • Repayment 6 months to 2 years

Summary of Services

  • PERSONAL Loans Loans
  • HOME Loans
  • PERSONAL Financing
  • VEHICLE Loans

At Picotifin we strive to help you with your cash emergency quickly

When you take the short-term loan, you will have to pay it according to the set payment that was agreed upon your contract agreement. Furthermore, you have to ensure that you live up to your credit promises.

Although we would love to help everyone who applies for a personal loan, we can’t help customers that seem to have a lot on their plate. However, we will try to assist where we can.

We are quick to respond to your queries

The first step into getting a personal loan with PicotiFin is completing the loan application form. After this everything else will be easy to do. Customers may be required to submit certain documents as part of the assessment and verification process. The money will be deposited into the customer’s bank account in two business days.

A variety of payment options

The amount of money you can qualify for will be based on your affordability and credit profile. Although you can be liable to borrow up to several thousand, only borrow the exact amount you need and nothing above it. It is such a mission to pay for a loan you didn’t really need at the time. However, when you apply for the exact amount you need, it makes things slightly easier. The loan can be paid in 6, 12 or 24 months. Also, you can opt to pay your loan sooner than the required date.

The credit profile is always the deciding factor

The fact that we want to ensure that everyone has a fair application on their personal loans doesn’t change the fact if you have a bad credit history, you will be given a loan with higher interest rates. However, if you have a clean credit record, your loan will be slightly lessor to pay off. It is always resourceful to have a good credit record.

Customer Reviews & Testimonials

April 2019

Most lenders have large hikes on their interest rates but PicotiFin is not one of them. Their rates are affordable and competitive. Their rates are the best that I have seen in the market!

Roger M
— Stellenbosch —

March 2019

Their loan application is amazing! All I needed to do was complete an application online and wait a few minutes. Thank you for making my life so much simpler.

Thembi N
— Mthatha —

PicotiFin Contact Details

Contact Number


  • not available


Physical Address

  • 1 Eaton Terrace, New Redruth, Alberton Gauteng 1449 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 16:00
  • Tuesday 08:00 – 16:00
  • Wednesday 08:00 – 16:00
  • Thursday 08:00 – 16:00
  • Friday 09:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed