Rating based on 71 reviews

ZAR Financial

  • Financial Planning
  • A guide you financial success
  • Get financial freedom

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ZAR Financial homepage
Author ZAR Financial. Screenshot of ZAR Financial website.
[Accessed December 8, 2022]

About ZAR Financial

There are a number of aspects that banks take into consideration before they grant loan applications.

For starters, they look at whether you'll be able to afford a short-term loan in South Africa or not. Your credit score will also be taken into consideration. Having too many financial obligations will not only count against you during the affordability check but will also negatively affect your credit score.

Manage your money better

Everyone is well aware of how high bank charges can be. Zar Financial can help you find a more affordable alternative.

If you'd like to manage your finances without feeling like you're deviating from your set budget, fill out an application and see what they have to offer. At the end of the day, financial freedom is a desire that all customers aspire to achieve.

ZAR Financial Services

If you're having a tough time dealing with life's little emergencies, a short-term cash loan might be just what you need.

Customers can get cash loans from R500 to a maximum of R10 000. The advantage of these loans is that you have up to a whole year to repay them. This makes them easier to pay off and will leave you feeling secure. 

Loans for clients with bad credit

Is your credit score low, or have you recently been blacklisted? You're still welcome to apply for a loan from ZAR financial.

After you apply for your loan, they'll run an affordability check and inform you of your application's success within one business day or less!

ZAR Financial – Short-term loan

  • Loan Type Short-term loans

Benefits of ZAR Financial

  • Financial planning
  • Investments
  • Insurance

Short-term loan calculator

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

ZAR Financial is ready to help you get approved

ZAR Financial works hard to ensure that your credit profile isn't negatively impacted by your short-term loan application.

ZAR financial helps you every step of the way

They're debt consolidation agents who work hand in hand with you to ensure that everything's done according to your loan needs and credit profile.

How does this help me?

The loan will be reduced to suit your needs, freeing up the finances you need to pay school fees, get the car fixed, or gather some savings.

By sticking to your credit repayments schedule, you'll make clearing your credit record a fast and easy process. Within 3 months you'll be able to see the improvement.

Other things you can do to improve your credit score:

  • Check your credit report regularly
  • Don't ride the limit of your credit cards or other accounts
  • Pay your debts via a debit order to make sure you never forget
  • Pay your accounts on time

The interest rate you'll be charged on your short-term loan will depend on how high your credit score is. The higher your score the lower the interest rate charged.

Benefits of ZAR Financial's short term loans 

  • Fast turnaround time
  • Easy application process
  • Flexible loan terms
  • Help to clear up your credit report

Customer Reviews & Testimonials

April 2019

I applied online for a short-term loan and the process was simple and took just a couple of minutes.

Donna P
— Port Elizabeth —

May 2019

ZAR Financial’s staff are always so helpful. I contacted them because I needed a short-term loan to help me pay for a vet’s bill and the service was superb!

Izabella P
— Rustenburg —

ZAR Financial Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed