Rating based on 17 reviews


  • Loans bad credit up to R250,000
  • Low-interest starting from 16%
  • Repayment up to 72 months

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Author Fincheck. Screenshot of Fincheck website.
[Accessed January 23, 2023]

About Fincheck

Fincheck is a loan comparison website that’s passionate about providing a better financial future for all South Africans.

When people are worried and stressed about financial difficulties, it’s easy to make bad financial decisions. By applying for a loan through Fincheck, you’ll have the support you need to make the right decisions.

The best financial solution for you

Fincheck has partnered with big banks as well as smaller microlenders. This enables them to assist people with bad credit loan options that best match their financial profile.

Their digital system sources the most up to date and accurate financial products based on your profile and application.

All you need to do is fill in the custom-built forms to get matched up with suitable options. Everything is presented in a user-friendly interface to allow you to make an informed and appropriate financial decision.

Online financial market that makes finance easy

More and more people are turning to online portals for personal loans. Fincheck entered the online finance market with a mission to make the process easier and simpler than it’s ever been. Their unique platform helps you build a better financial future by making every decision count.

By helping you make the right financial decisions they can help you build up a healthy credit score. Simply using Fincheck’s online process will help you protect your credit score. Since they apply to various lenders on your behalf, it won’t harm your credit score.

Fincheck Services

Fincheck is a loan provider that’s fully independent and free to use for all South Africans.

This ensures that the financial information you receive is honest and presented according to your financial needs.

The easy interface ensures a quick application process. By asking the right questions they can provide quick answers and offer the best bad credit loans.

They are there to support you

Fincheck understands that choosing the right loan may be a difficult task.

They are available to assist you throughout the process. Whether you need a quick cash loan, a personal loan, or a blacklisted loan.

Fast application process and quick offers

Applying for a loan from Fincheck takes just 2 minutes. The application form is easy to complete and available online.

You can complete the quick loan application from any electronic device in the comfort of your own home at a time that suits you best. No need to go into a bank or stand in a long queue.

As soon as your online application is received, Ficheck will send you offers from various credit providers.

They save you time by comparing and presenting you with the most suitable loan options.

Once you select a loan option, Fincheck will pass you onto the online lender you chose.

Fincheck – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 16%
  • Loan Amount up to R250,000
  • Repayment 3 months to 72 months
  • Decision Same day

Benefits of Fincheck

  • Bad credit loans available
  • 24/7 access
  • Between R1000 and R250 000 accessible
  • Easy repayment periods between 3 and 72 months

Bad credit loan calculator

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

A simple road to financial freedom and stability

Depending on the lender, you’ll be asked to submit a few documents to complete the application.

These documents usually include:

  • Copy of ID;
  • 3 month’s bank statements;
  • Payslips for 3 months;
  • Proof of residence

Understanding personal loans

When you take out a loan you make an agreement with the lender. You are the borrower and the financial institution providing you with credit is the lender. An agreement will stipulate the terms and conditions of the loan, including the repayment terms and interest rates.

Why you should choose a personal loan

A personal loan may be either secured or unsecured. It’s an easy way to get cash when you need it. For emergencies, leisure activities, medical expenses, or any unforeseen expense. Loans for bad credit range from R1,000 to R250,000 and can be repaid over 3 to 72 months.

Simply explained, a personal loan is the big brother of a short-term loan. You can get access to cash quickly and pay off the loan according to the agreed-upon time and amount. Fincheck is there to help you find safe, reliable lenders. They only partner up with secure and registered credit providers.

Take charge of your financial situation

Fincheck offers free credit checks. Your credit score is a number that reflects your financial health. By improving your credit score you’ll qualify for more attractive loan offers at more competitive interest rates.

Simply register and submit an easy questionnaire and form with your personal information. Knowing your credit health is an important step on the road to financial stability. If there’re any default entries on your credit report, knowing about these will enable you to clear them up. You can also reduce existing debt and query any incorrect entries that are affecting your credit score.

Additional services to get you on the road to financial health

Fincheck offers comprehensive financial assistance. By partnering with registered financial service providers they offer you funeral cover, life insurance, and vehicle insurance.

Fincheck also offers debt counseling to help along your journey out of debt. By consolidating your debt, you can regain charge of your finances and reduce financial stress.

Customer Reviews & Testimonials

May 2020

If I knew how easy it was to apply for a loan I would have done it much sooner. Using Fincheck was quick and effortless.

Liam S
— Margate —

April 2020

Fincheck helped me obtain a loan when I was in desperate need of money. Thanks to the loan I was able to pay for unforeseen expenses and it eased my financial worries.

Jerry T
— Walmer —

September 2020

I was looking for a small loan and received so many offers so fast, I could not believe it. This helped me to access my financial needs and situation.

Jennifer T
— Howick —

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Opening Hours

  • Monday Open – 24 Hours
  • Tuesday Open – 24 Hours
  • Wednesday Open – 24 Hours
  • Thursday Open – 24 Hours
  • Friday Open – 24 Hours
  • Saturday Open – 24 Hours
  • Sunday Open – 24 Hours