Rating based on 5 reviews


  • Online application
  • Large loan amounts
  • Low-interest starting from 5.0%

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

About Finsap

Finsap is a well-established registered credit provider for more than ten years based in Johannesburg.

They offer customers many different types of loans, each designed to fit a specific need. The loans provided range from mortgage loans, business loans, consolidation loans, personal loans, and general loans.

Applying at Finsap takes only 5 minutes, and the loan application is 100% online. It is the perfect choice for people who need access to a loan quickly from the comfort of their homes.

Quick and easy online application platform

Finsap uses an online loan application platform to provide its clients with quick approval. The whole application can be completed in less than 5 minutes and is easy to understand. Finsap consultants check the client's application as soon as they apply and make sure that it gets approved on the same day.

Different loans for different needs

There are many different loans provided at Finsap, and they also cater to those who are blacklisted. It doesn't matter what a client needs: a small business loan, a personal loan for an emergency,  or simply a loan for a dream car; Finsap will be able to help.

They aim to provide fast service and flexible options for their customers. All loans are offered at an interest rate starting at 5 %.

Finsap Services

At Finsap, there are short, medium, and long-term loans.

One of Finsap's most used loan services is personal loans. They provide personal loans with highly flexible terms.

Loans for every financial need

Short-term loans are to support temporary financial and personal needs. They are mainly to cover unexpected costs of large amounts. Everyday examples are events such as a wedding or funeral. A short-term loan can even help support farmers with payments toward farming and crop planting. Anyone who has a regular source of income is eligible to apply for this type of loan. Finsap provides clients with terms of 1, 3, 6, and 9 months for repayment on their short-term loans.

Fast and reliable medium-term loans

Finsap medium-term loans have a repayment period of 1 to 2 years. The longer term makes it the perfect choice for a more significant amount of money for a down payment. If you need money to start or grow a business, pay school fees, furnish your home, or even products for farming, a medium-term loan will work best.

Affordable long-term loans

A long-term loan is for borrowing a large amount of money, usually for a down payment on a house or a car or to invest in a business. Finsap provides clients with flexible options for their long-term loan repayment period, from 2 to 10 years. Clients are provided with guidance by a consultant when applying for a long-term loan to ensure that the term and repayment fit their needs.

Finsap – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 5.0%

Benefits of Finsap

  • Easy loan application
  • Quick approval
  • Speedy loan decisions

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.

Finsap is a well-established credit provider

A client's needs determine the type of personal loan that will benefit them best.

Clients can use it for emergencies such as funerals, medical bills, and debt consolidation. These loans can help pay for a wedding, a dream home, and a vacation. The amount needed to cover these expenses becomes the loan's total, which then needs to be repaid over a set period with interest.

Finsap’s flexible personal loan

One of the many types of loans at Finsap is a personal loan. Clients can use this loan for their individual financial needs for up to R50 000. The term is very flexible, allowing clients one month to 10 years to pay off the total. The interest rate is charged from 5%, depending on the terms.

There are many benefits of having a personal loan at Finsap, such as flexible terms, fast pay-outs, and quick service. The most significant advantage is that the loan pay-out is within 24 hours from the moment it is applied for. Because the term of personal loans is very flexible, it can be a short, medium, or long-term loan. Getting a personal loan in any of the categories each has its benefits.

The benefits of a short-term personal loan

Short-term personal finance needs to be paid off in a year. Finsap consultants make sure that clients can get the desired amount of cash flow within a range that they can afford. It is a more accessible loan because most clients' ability to pay back a loan doesn't change drastically in a year.

This provides Finsap with the comfort that they will be able to pay it back. Short-term personal loans are perfect for those who need a sudden cash injection for an event like a funeral. As the amount is small and the duration short, your credit record doesn't have to be excellent but still shows you can pay your debt in a year.

The benefits of a medium-term personal loan

Medium-term loans are larger in amount and more prolonged (2 to 5 years depending on the amount a client needs). One requirement for a personal loan is that a client's credit record needs to reflect that they are able to repay the loan amount. A medium-term personal loan covers a wide range of business purposes and is perfect for a growing business with the potential to expand.

The benefits of a long-term personal loan

Two things that most people need are a home and a car. These are also two of the most expensive things to buy, and most people need a loan to pay the total amount. Long-term personal loans at Finsap are designed for clients who need a large amount of money and a long repayment term.

Long-term loans at Finsap have a duration of 3 to 10 years and a low-interest rate. Consultants make sure that the repayment amount and term fit the client's needs.

man holding thumbs up

Finsap is a trusted & reliable provider of personal loans

In our review, Finsap 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.

✅ Finsap is a registered credit provider in South Africa: NCRCP 10078

Customer Reviews & Testimonials

March 2019

Finsap loans are the reason my business is thriving today. We could get through the hard times, and now we are better off than ever before. Thank you for taking care of our future.

M De Meyer
— Brisban —

June 2018

We were never left to figure things out on our own. FINSAP guided us throughout the whole process and answered all our questions. Thank you for your professional help and friendly tone.

— Perth —

August 2019

Finsap provided us with solutions that we did not think we had. They are genuinely there to help. It was a pleasure working with them. I got my loan easily.

L Swanepoel
— Canberra —

Finsap Contact

Physical Address

Opening Hours

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