Rating based on 36 reviews

Personal loans offered by VECTO Finance


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

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VECTO Finance homepage

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

About VECTO Finance

VECTO Finance has been among the leading providers of micro finance in South Africa ever since we were established in 1999.

We have a highly qualified team of individuals who are able to assist you in a professional and friendly manner.

With 19 years of experience, our company is among the most reliable financial partners that you can find. We provide affordable credit to all South Africans who are employed. Our core value is honesty and integrity, we are open and transparent and we have strong business ethics. Our customer services are professional and we treat everyone with respect.

We specialise in personal cash loans

We are committed to responsible lending and we adhere strictly to the standards set by the National Credit Act. We ensure that you have the affordability to make repayments and still be in a position to maintain your present lifestyle.

Customers receive the full loan details in advance for maximum transparency. Our service is based on honesty and integrity and this has allowed our company to become one of the most popular providers of personal loans in South Africa our strategy is simple and easy to follow because we only offer what people need.

VECTO Finance Services

We are an experienced provider of unsecured personal loans to South Africans who cannot access the products available by the major commercial banks in the country.

If you are employed and earn a monthly salary, you are fully eligible to apply for a VECTO loan. Our unsecured personal loans are simple and easy to obtain. Our rates and fees are easy to understand and our customers know exactly what they are in for when applying for a loan with us.

Short-term personal loans

We’ll calculate your affordability to ensure that you are borrowing responsibly. Plus you can be assured that your short-term personal loan will not end in tears. All information provided by our customers is private and therefore your employer will not be involved in any way

Our loans are fast and reliable

We have been designed to satisfy all kinds of urgent cash needs and to resolve financial emergencies whenever you need cash for unforeseen emergencies.

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

VECTO Finance Product Details

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

Summary of Services

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

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

When you need to borrow money, you want everything to go smoothly and to feel confident and comfortable about the repayment of the loan and that’s exactly what we offer our customers

With VECTO Finance personal loans you’ll find you’ll get the described benefits when using the products we have to offer.

VECTO Finance is a registered credit provider operating primarily online

We have been catering to the needs of South Africans since 1999. We specialise in working with people who do not have access to the credit products of the major banks. We have a good reputation and a transparency policy.

All loan terms and conditions are presented on our website. This certainly makes it stand out. VECTO Finance 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 will receive a reply within the same day.

If you are approved, you will have to submit a set of required documents including the signed loan agreement. Once we have the required documents, the money will be wired to you instantly. The funds will appear in your account within 24 hours.

VECTO Finance's loans offer between R500 and R10, 000

This makes the 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 our website. VECTO charges a fixed interest rate. Currently, it is 32.1%. It is quite competitive compared to what other lenders such credit providers 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, the VECTO Finance quick personal loans are quite quick to obtain, competitively priced and flexible to repay. We are a suitable solution for you.

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VECTO Finance is a trusted & reliable provider of personal loans

In our review, VECTO Finance adheres to the compliance criteria in accordance with NCA regulations, 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 Details

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