Fincheck
Fincheck offers personal loans from R300 - R2,500 with 33.5% APR. NCR-registered lender with flexible repayment terms.
About Fincheck
Fincheck is an NCR-registered credit provider offering personal loans to South African consumers. With loan amounts ranging from R 300 to R 2 500 and flexible repayment terms, Fincheck provides accessible credit solutions.
📊 Key Facts about Fincheck
| Type of entity | Credit Provider |
| Minimum amount | R 300 |
| Maximum amount | R 2 500 |
| Available terms | 0 - 2 months |
| Typical APR | 33.5% |
| Approval time | Same day |
| Payout | Same day |
| Regulated by | NCR (Registration NCRCP5784) |
| Credizen Rating | 3.7/5.0 ⭐ |
Loan Specialist | 25 years of experience
Fincheck is a viable option for those seeking quick loans, though with some considerations. The more limited amounts (up to R 2 500) make Fincheck ideal for urgent minor expenses. Make sure to compare conditions well and read all terms before applying.
When to use Fincheck?
- ✓ Emergencies you can resolve quickly
- ✓ Unexpected expenses that cannot wait
- ✓ When you need money within 24-48 hours
"As an expert with 25 years in the financial sector, I evaluate each lender based on transparency, real costs, and user experience. This recommendation is continuously updated based on market changes."
🔒 Security and regulation
Regulated by NCR
Fincheck is registered with the National Credit Regulator (NCR) under registration NCRCP5784.
Data protection
Complies with the Protection of Personal Information Act (POPIA). Your information is encrypted and not shared without authorization.
Cost transparency
All costs must be included in the APR (Annual Percentage Rate). Demand to see the total cost before signing any agreement.
Consumer rights
Protected by the National Credit Act (NCA) and Consumer Protection Act. You have the right to early settlement without penalties in most cases.
Loan Details
Loan Amounts
Repayment Terms
Interest Rate
Representative example. Actual rate depends on your credit profile.
Key Features
Loan Cost Example
Representative Example: This shows estimated costs for a typical loan. Your actual costs may vary based on your credit profile.
Loan Details
| Loan Amount | R 10 000 |
| Loan Term | 12 months |
| APR | 33.5% |
| Monthly Payment | R 1 113 |
Cost Breakdown
| Principal Amount | R 10 000 |
| Total Interest | R 3 350 |
| Initiation Fee (est.) | R 1 140 |
| Total Amount to Repay | R 14 490 |
Ready to Apply at Fincheck?
Get loans from R 300 to R 2 500 with 33.5% APR. Fast approval - often same day!
Apply Now at FincheckEligibility Requirements
- ✓ 18-65 years old
- ✓ South African citizen
- ✓ Minimum income R1500
- ✓ Valid bank account and ID
- ✓ South African bank account
- ✓ Valid ID document
Advantages & Disadvantages
✓ Pros
- • No credit bureau checks
- • Approval within 2 minutes
- • Available on weekends
- • Automatic extension available
- • Emergency cash solution
- • NCR registered (NCRCP5784)
✗ Cons
- • Very high interest rates (300%+ APR)
- • Small loan amounts maximum R2,500
- • Short repayment periods
Frequently Asked Questions
How much can I borrow from Fincheck?
You can borrow between R 300 and R 2 500, depending on your credit profile and affordability assessment.
What is the interest rate at Fincheck?
Fincheck offers loans with an APR example of 33.5%. The actual rate you receive will depend on your individual credit assessment and affordability.
How long are the repayment terms?
Repayment terms range from 0 to 2 months, giving you flexibility to choose a term that suits your budget.
Is Fincheck registered with the NCR?
Yes, Fincheck is a registered credit provider with the National Credit Regulator (NCR) (Registration: NCRCP5784), ensuring compliance with the National Credit Act.
Can I apply for Fincheck loans from any city in South Africa?
Yes, Fincheck accepts applications from residents across South Africa, including major cities like Johannesburg, Cape Town, Durban, Pretoria, and many others. The application process is fully online, making it accessible regardless of your location.
How do I know if I can afford a loan from Fincheck?
Fincheck conducts an affordability assessment as required by the National Credit Act. Your monthly repayment should not exceed 30-35% of your net monthly income. Use the loan cost calculator on this page to estimate your monthly payment.
What are the alternatives to Fincheck?
If Fincheck doesn't meet your needs, consider other NCR-registered lenders offering similar loan amounts and terms. Compare multiple options to find the best rates and terms for your situation.
How long does it take to get approved by Fincheck?
Fincheck typically provides fast approval decisions, often within hours of application. Once approved, funds can be disbursed quickly, sometimes on the same day.
Can I settle my Fincheck loan early?
Under the National Credit Act, you have the right to settle your loan early. Contact Fincheck directly to get an early settlement quote. Early settlement may reduce the total interest paid, but check if any early settlement fees apply.
What fees does Fincheck charge?
Fincheck charges fees in accordance with NCR regulations. Common fees include an initiation fee (capped at 15% of the loan amount, maximum R1,140) and monthly service fees (maximum R60). Always review your loan agreement for the complete fee structure before signing.
Compare Similar Lenders
Lime
★ 4.4/5Fasta
★ 4.2/5Uapply Loan
★ 4/5Wonga South Africa
★ 4.1/5Available in Major South African Cities
Fincheck accepts loan applications from residents across South Africa. Apply online from these major cities and more:
Apply Now
NCR Registered • Secure Application
Compare Similar Lenders
View All Lenders →Compare More Lenders
Find the best personal loan for your needs by comparing rates, terms, and features from NCR-registered lenders.
View All LendersDisclaimer: Credizen is a comparison platform and not a lender. We receive compensation from Fincheck when you apply through our site. Loan approval and terms are subject to Fincheck's credit assessment and affordability checks.
Responsible Lending: Before applying, ensure you can afford the monthly repayments. Defaulting on credit agreements can negatively affect your credit score. This information is provided for comparison purposes only. Always read the terms and conditions from Fincheck before accepting a loan offer.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000