Rating based on 4 reviews


  • Personal loans up to R250,000
  • Low-interest starting from 16%
  • Repayment up to 72 months

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Fincheck homepage
Author Fincheck. Screenshot of Fincheck website.
[Accessed January 19, 2023]

About Fincheck

Many South Africans struggle on a daily basis to manage their finances, adding a struggling economy to this. People making bad financial choices.

Fincheck is there, no need to fear

Fincheck is an online financial and loan comparison website. Because they’ve partnered with many big South African banks and smaller microlenders, they’re able to supply those that come to them with options that match their financial profile and needs.

People are always on the lookout for a lender that will offer them the most attractive repayment terms, interest rates, and packages. Because online loan applications are a hot commodity, Fincheck entered the space determined to simplify the process of getting an online personal loan.

All financial decisions are crucial

Their unique platform helps you build a better and more stable financial future by making every choice count. With their system, they strive to source the most accurate and up-to-date financial products based on your application and profile.

Just by filling in any of the custom-based online forms, they are then able to match you with the comparative options. This allows you to make appropriate and informed financial decisions.

With Fincheck, you save time, effort, and money while improving your credit score. By using Fincheck, you protect your credit score since you can compare multiple loan offers without making multiple applications.

Secure a better financial future

Fincheck offers you free credit score checks, which enables you to see how banks and lenders see you. You can use the MyFincheck portal which offers you bank-level security, and personalised offers and you have the option to manage your finances by choosing which lender best suits you.

This is only the start of good things to come. They want to do their best by offering you the best service they can so that you can make better financial choices for your life.

Fincheck Services

Fincheck offers vehicle finance, debt counselling, life insurance, vehicle insurance, credit cards, business finance, and personal loans.

They believe in providing the best services to you because you deserve the best.

What are loans

The simple explanation is the sum of money you borrowed and has to pay back at a specific time, with a lot of interest or minimum amount of interest. This is where Fincheck comes in handy. They do the hard work for you by putting you in contact with the right lender based on your needs.

Secured and unsecured personal loan options

Personal loans can be either secured or unsecured. They’re one of the best ways to get emergency cash, finance home improvements, or pay for that all-important wedding day.

Personal loans range from R1 000 to R250 000 with a maximum repayment period of 72 months and a minimum of 3 months. Your payments will be dedicated on a monthly basis for the entire loan term you selected.

Always make sure that you apply only for the amount that you need. The more you borrow, the more interest you’ll have to pay. You can also use Fincheck’s online loan application form to get everything done in seconds.

If you’re unsure of how it all works, Fincheck will help you find lenders that are safe, registered, and secured credit providers.

How to apply for a personal loan

Fincheck aims to help people make better financial decisions. They’ve worked tirelessly to make sure that in building an online loan allocation system, they did their best for you.

After choosing your preferred loan provider they’ll then be in touch. If you don’t meet their requirements they’ll do their best to get you in touch with another credit provider that will.

Fincheck – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1628% p/a
  • Loan Amount up to R250,000
  • Repayment 3 months to 72 months
  • Decision 2 minutes

Benefits of Fincheck

  • Bad credit loans available
  • Affordable instalments
  • Easy online application

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.

Helping South Africans make better financial choices

Applying for a personal loan with Fincheck is quick and simple and the process can be completed within just minutes. 

Step 1- Fill in the application form

When you’ve chosen the long or short-term loan you’re interested in, fill out the online application. Remember to be as accurate as possible so that they can match you with the best financial product.

Step 2- Fincheck does the heavy lifting for you

They have state-of-the-art systems that have been built from the ground up. They did all this with you in mind.

Once you complete the form, they’ll get to work searching for and matching you up with the best personal loans from their panel of banks and lenders. They’ll also cut out any that do not suit your needs or do not offer good rates and terms.

Step 3- Sit back and enjoy the Fincheck experience

Once they’ve matched you up with the best lenders out there, all you have to do is choose the product that best suits your financial needs and what you are able to afford.

Step 4- Applying to banks and lenders that will most likely get in touch with you

Once you’ve made your choice, just click on apply and they’ll then get in touch with you. If for any reason you’re unsuccessful, they’ll continue to help you by sourcing alternative credit providers.

Customer Reviews & Testimonials

March 2020

I was in need of instant cash and I found it with the help of Fincheck. Really impressed.

Dennis M
— Cape Town —

June 2020

I was so relieved when Fincheck was able to help me get a personal loan from the bank.

Lauren M
— Johannesburg —

August 2020

Really love how quick and efficient Fincheck is. Thank you.

Mandy S
— Port Elizabeth —

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Opening Hours

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