Rating based on 21 reviews


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

In-page navigation

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

About PicotiFin

For the past 10 years, Picotifin has gone out of their way to ensure that they provide you with personal loans and finance solutions with a difference.

Seeing that time is of the essence, they've ensured that they work fast and efficiently so that you get the best deals and most suitable loan packages.

Fast and easy service

PicotiFin won't make you wait for weeks on end without giving you feedback on your loan application. By making use of their quick online loans, you'll know the outcome in two business days or less.

Affordable interest rates on your personal loan

This lender is known to give the best short-term micro-loans and has a great reputation because their customers remain impressed with their interest rates and excellent service.

At the end of the day, you'll get exactly what you need and be served with professionalism, speed, and consideration. 

PicotiFin Services

The fact that everything has become more expensive has made it even harder for South African households to save.

Further, personal budget management has become a near-impossible task. Nonetheless, PicotiFin will ensure that you get the best deal when you make use of their services.

Interest rates you can actually afford

Money tends to run a little short - especially when the month is drawing to an end. By applying for a payday loan, you'll be able to make due (at least until you get your next paycheck).

Effective loan application method

The personal micro-loan offered by this lender is a deal you can afford to repay and still be able to attend to your other monthly expenses without unnecessary strain.

You'll also be able to complete the application entirely online. This makes things simpler and quicker - and who wouldn't like that?

PicotiFin – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1525.99% p/a
  • Repayment 6 months to 2 years

Benefits of PicotiFin

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

Personal loan 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 quick loans calculator is subject to our terms of use.

Picotifin is a lender you can rely on when you need a financial boost

Although PicotiFin would love to help everyone who applies for a personal loan, they can’t help you if you have a lot on your plate. 

When you take the short-term loan, you'll have to pay it according to the set payment that you'll agree to in your contract.

PicotiFin is quick to respond to your queries

The first step to getting a personal loan with PicotiFin is completing the loan application form. After this everything else will be handled for you. You may also be required to submit certain documents as part of the assessment and verification process. Once approved, your personal microloan will be deposited into your bank account in two business days.

How much should you apply for?

The amount of money you qualify for will be based on your affordability and credit profile. Although you can borrow up to several thousand, only borrow the exact amount you need and nothing above it.

It's 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 for you in the long run. The loan can be paid in 6, 12, or 24 months. Also, you can opt to pay your loan sooner than the required date.

Your credit profile may be the deciding factor

The fact that PicotiFin wants to ensure that everyone has a fair chance to get one of their personal loans doesn’t change the reality that if you have a bad credit history, you'll be given a loan with a higher interest rate. However, if you have a clean credit record, your loan interest rate will be slightly less. It's always beneficial 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

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