Need a Loan?
Apply from R20,000 – R500,000 with our fast, simple, and hassle-free process
How Afri Finance Loans Work
Apply Online
Choose your loan amount, term, and type. Complete your personal details to proceed.
Submit Your Documents
After submitting your application, please email your ID copy, latest payslip, and 3 months’ bank statements to loan@afrifinance.loan , using your application reference or ID number as the subject.
Loan Approval
We review your application and notify you of the outcome.
Pay Initiation Fee (Compulsory)
This fee must be paid upfront before we can process your loan payout. The fee cannot be deducted from your loan amount.
Sign Agreement
We send your loan agreement for you to sign.
Receive Funds
After we receive the signed agreement and confirm the initiation fee, funds are disbursed to your bank account.
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Happy Customers
Loans for most purposes
Sharing Expertise. Building Relationships.
Fast & Easy Application Process
Why Choose Afri Finance?
Afri Finance understands the financial challenges faced by South Africans today. That's why we've made it simple to apply for a personal loan online, even if you've been blacklisted or have a low credit score. Our goal is to help you regain control of your finances with flexible repayment options and transparent terms.
Low Interest Rate
Only 4% per annum — one of the lowest in South Africa
Quick Approval
Get feedback within 24–48 hours
Apply Online
100% digital loan application process
No Hidden Costs
All fees and interest clearly disclosed
Our Loan Products
We provide a variety of loan options designed to suit different financial needs — from short-term cash loans to long-term home loans and vehicle finance.
Personal Loans
Get instant financial relief with our personal loans. Perfect for emergencies, education fees, medical bills, or renovations. Apply online and receive funds directly into your South African bank account once approved.
Loans for Blacklisted Clients
Being blacklisted shouldn't stop you from getting the help you need. We specialize in personal loans for blacklisted clients, giving everyone a fair chance to access credit.
Debt Consolidation Loans
Simplify your finances with an Afri Finance debt consolidation loan. Merge multiple debts into a single, affordable monthly payment at a low 4% rate.
Car Finance
Looking for a reliable car loan in South Africa? Whether it's a new car or a used one, our vehicle finance options help you hit the road faster.
Business Loans
Empower your business with an Afri Finance business loan. Whether you're starting up, expanding, or buying new equipment, we offer funding solutions that help South African entrepreneurs grow with confidence.
Home Loans
Make your dream of homeownership a reality with our affordable home loan options. Competitive rates and flexible terms to suit your financial situation.
Who Qualifies for a Loan?
Afri Finance welcomes applications from all South Africans who meet the following requirements:
- South African citizen or permanent resident
- 18 years or older
- Employed or self-employed with proof of income
- Valid South African ID and bank account
Frequently Asked Questions
Yes, you can. Afri Finance offers loans for blacklisted persons based on income affordability, not just your credit record. We believe in second chances and financial inclusion for all South Africans.
Most applications for quick loans are processed within 24–48 hours after receiving all supporting documents.
Yes, we have limited no credit check loan options available depending on your income and loan amount. Our consultants will assist you in finding the best possible option.
You'll need a valid South African ID, proof of income (latest payslips or bank statements), and proof of residence not older than 3 months.
Ready to Get Your Loan?
Take the next step towards financial freedom with Afri Finance personal loans.
What Our Clients Say
My experience has been wonderful. All my questions were answered, not a long waiting time. VERY FAST SERVICE. The agents are always caring and understanding and very respectful and considerate. Thank you!!
You can do the loan application online and even upload documents which makes the process even more faster and convenient. The representatives are really nice and patient which we all need during these times.
I applied online and in less than 24hrs the funds are already in my account! Thank you so very much for your help and for pushing this through so expeditiously! You have no idea how much this is going to help out with a rather unfortunate situation.