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Check If You Do Qualify For a Loan

Flexible Short-Term Loans from R300 to R5,000
Need a small, short-term loan to cover unexpected expenses or get through the month? Finwise Lending offers fast, responsible credit solutions to employed South Africans — even if your credit score isn’t perfect.

What We Offer

1

For New Customers

✅ Apply for up to R3,000

⏳ Repayment term: 1 month

💡 Perfect for urgent, short-term cash needs
 

2

For Existing Customers

✅ Apply for up to R5,000

⏳ Repayment term: up to 3 months

🎯 Higher limits and flexible terms for returning clients with a good repayment history
 

3

What You'll Need to Apply

✅ South African ID Number
✅ Cellphone Number (registered in your name)
✅ Active Bank Account Details
✅ Most Recent Proof of Income (latest payslip or bank statement)

Why Choose Finwise Lending?

We Say Yes When Others Say No

We help employed South Africans with low credit scores access short-term loans from R300 to R5,000 — fast, fair, and judgment-free. No unnecessary barriers.

Fast Payouts — Within 1 Hour

Apply online in just minutes. No paperwork. No waiting rooms. Our simple digital process means you can apply and check your loan status from anywhere.

​No Hidden Fees. Total Flexibility.

No hidden fees. No confusing jargon. Just honest lending from a company that cares about helping you grow — not trapping you in debt.

– Thabo M., Johannesburg

I was blacklisted and couldn’t get help anywhere. Finwise Lending gave me a chance when no one else would. The process was quick, and the money was in my account within hours!

– Zanele D., Cape Town

I thought having a low credit score meant no options. But Finwise looked at my income, not my past. They truly care and explain everything in simple terms.

– Ahmed K., Port Elizabeth

I used my loan to fix my car and didn’t need to wait long for approval. Reliable and easy to apply.

What Our Clients Say

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