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What you can get
New customers can apply for up to R4000 with 3 months to repay. Existing customers can apply for up to R6000 with up to 3 months to repay.
01.
What you'll need:
A cellphone number
SA ID number
Bank account details
Most recent proof of income
02.
How to apply
1.Choose the amount you need
2.Choose how long you will need to repay
3.Click "Apply Now" and proceed to finalise your loan
03.
Need cash today?
Complete your application and get cash in your account sameday
What We Offer
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!
– 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.