Rating based on 36 reviews

VECTO Finance

  • Personal loans up to R15,000
  • Low-interest starting from 28%
  • Repayment up to 18 months

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VECTO Finance homepage
Author VECTO Finance. Screenshot of VECTO Finance website.
[Accessed December 8, 2022]

About VECTO Finance

VECTO Finance has been among the leading providers of personal loans ever since its establishment in 1999.

With 19 years of experience, this company is among the most reliable financial partners that you can find. They provide personal loans to all South Africans who are employed and meet their affordability requirements.

Their core values include honesty and integrity, they're open and transparent and have strong business ethics. Their customer service is professional and they treat everyone with respect.

A responsible lender

Committed to responsible lending, VECTO Finance adheres strictly to the standards set by the National Credit Act. Before offering you a loan they'll check your affordability to ensure you're able to make repayments and maintain your present lifestyle.

You'll receive all the loan details in advance for maximum transparency. Their service is based on honesty and integrity and this has allowed their company to become one of the most popular providers of easy online loans in South Africa. They only offer what people need, keeping things simple and practical.

VECTO Finance Services

VECTO Finance is an experienced provider of unsecured personal loans to South Africans who cannot access credit products available at major commercial banks in the country.

Their rates and fees are affordable and easy to understand, and their transparency will ensure you know exactly what you're in for when applying for a loan.

Save and secure lending

They’ll calculate your affordability to ensure that you're borrowing responsibly. This will ensure that your unsecured loan will not end in tears!

All information provided by you is private and therefore your employer will not be involved in any way.

Fast and reliable Vecto loans

VECTO's services have been designed to satisfy all kinds of urgent cash needs and resolve financial emergencies. Whenever you need cash for emergencies, choose Vecto Finance.

You can apply for a loan by filling out a short application form online which only takes a few minutes and gets your loan approval in an hour! You'll get the approved funds in no time at all.

VECTO Finance – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R15,000
  • Repayment 6 months to 18 months

Benefits of VECTO Finance

  • Easy and affordable loans
  • Low-interest rate
  • Payout in 24 hours

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.

VECTO Finance personal loans – Our loans are flexible and quick to obtain

When you need to borrow money, you want everything to go smoothly.

You want to feel confident and comfortable about the loan repayment and that’s exactly what VECTO Finance will offer you! With VECTO Finance's loans, you’ll find you’ll get market-leading benefits, great rates, and flexible terms.

If you're employed and earn a monthly salary, you're eligible to apply for a VECTO loan. Their unsecured personal loans are simple and easy to obtain.

A registered credit provider operating primarily online

VECTO Finance has been catering to the needs of South Africans since 1999. They specialize in working with people who don't have access to credit products from major banks in South Africa. They have a good reputation and a solid transparency policy.

All loan terms and conditions are presented on their website. This certainly makes this flexible lender stand out. VECTO Finance's short-term loans are pretty fast to obtain.

Once you fill out the printable application form, you can send it via fax or email and you'll receive a reply on the same day.

If you're approved, you'll have to submit a set of required documents including the signed loan agreement. Once they have the required documents, the money will be wired to you instantly and appear in your account within 24 hours.

VECTO Finance offers loans between R500 and R10,000

This makes their loans ideal for covering emergency expenses and for making small to medium-sized purchases. There is great flexibility when it comes to the repayment term and the repayment structure, which can include monthly, weekly, or fortnightly payments. You can repay the loan over 5 or 12 months, 20 or 40 weeks, or 10 or 20 fortnights.

Full repayment options can be found on the VECTO website. VECTO charges a fixed interest rate. Currently, it's 26%. It's quite competitive compared to what other lenders have to offer, especially given the fact that the loans are designed for people with bad credit.

The fees charged are reasonable as well

In conclusion, VECTO Finance's quick personal loans are quite ideal for you if you're in a hurry, are competitively priced, and are flexible to repay.

What you'll need to apply

  • Your most recent payslip
  • South African ID document/Smartcard
man holding thumbs up

VECTO Finance is a trusted & reliable provider of personal loans

In our review, VECTO Finance adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ VECTO Finance is a registered credit provider in South Africa: NCRCP309

Customer Reviews & Testimonials

November 2018

VECTO Finance is a very understanding and flexible lender. They will do whatever they can to assist their customers. I found myself in the midst of a difficult month and could not make the paymen...

Daniel M
— Grahamstown —

February 2019

At Vecto Finance you have access to an array of lending options. Their most attractive options are their short-term loan options as well as their personal loan options. When I first saw the deals...

Andrew S
— George —

April 2019

At Vecto you will not need to jump through any hoops – their entire lending process is very simple and streamlined specifically to benefit the customer. They are fair, affordable and competitive ...

Janine S
— Oudshoorn —

May 2019

Thanks to the Vecto calculators that they offer on their website I was able to calculate the exact amount of money that I needed to borrow that would save me the most on interest in the long run.

Donovan B
— Worcester —

VECTO Finance Contact

Physical Address

  • Unit G02, Parc Du Links Building, 9 Niblick Way Cape Town Somerset West 7130 South Africa
  • Get Directions

Postal Address

  • Suite 112, Private Bag X15, Somerset West, 7129, South Africa

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed