Finbond Loans South Africa 2025

Get competitive personal loans, vehicle finance, and SME business funding from Finbond. Apply online with rates starting from 16% p.a. and loan amounts up to R1.5 million.

Finbond Quick Facts

Interest Rates: From 16% p.a.
Max Amount: Up to R1.5 million
Approval: 24-48 hours

Choose Your Finbond Loan Product

Personal Loans

Unsecured loans for personal expenses and emergencies

Interest Rate: 16% - 28% p.a.
Maximum Amount: R150,000
Loan Term: 12 - 60 months

Key Features

  • No collateral required
  • Quick approval process
  • Flexible repayment terms
  • Credit life insurance included

Best for: Debt consolidation, home improvements, medical expenses

Finbond Loan Calculator

Calculate Your Monthly Payment

Calculating for: Personal Loans
R1,000 R50,000 R150,000
16% 22% 28%
12 months 24 months 60 months

Your Monthly Payment

Monthly Payment

R2593.91

Total Interest

R12253.79

Total Payment

R62253.79

Note: This is an estimate. Your actual rate may vary based on your credit profile and chosen loan product.

How to Apply for Finbond Loans

1

Pre-qualification

Complete online pre-qualification form

Duration: 5 minutes
  • Fill out online form
  • Provide basic personal information
  • Select loan amount and term
  • Get instant pre-approval
2

Document Submission

Upload required documents

Duration: 15 minutes
  • Upload ID document
  • Submit proof of income
  • Provide bank statements
  • Upload proof of residence
3

Credit Assessment

Finbond reviews your application

Duration: 24 - 48 hours
  • Credit bureau check
  • Income verification
  • Affordability assessment
  • Risk evaluation
4

Loan Approval

Receive loan decision and terms

Duration: Same day
  • Loan approval notification
  • Review loan terms
  • Sign loan agreement
  • Confirm disbursement details
5

Funds Disbursement

Receive loan funds in your account

Duration: 24 - 48 hours
  • Electronic fund transfer
  • Loan confirmation
  • Repayment schedule
  • First payment date

Finbond Loan Requirements

Basic Requirements

  • South African citizen or permanent resident
  • Minimum age 18 years (21 for vehicle finance)
  • Valid South African ID document
  • Proof of residential address

Income Requirements

  • Minimum monthly income R3,000
  • Stable employment (6 months minimum)
  • Latest 3 months payslips
  • Bank statements (3 months)

Credit Requirements

  • Good credit score (580+)
  • No recent defaults or judgments
  • Debt-to-income ratio below 40%
  • Clean credit bureau record

Documentation

  • Certified copy of ID
  • Recent payslips
  • Bank statements
  • Proof of residence

Why Choose Finbond Loans?

Competitive Rates

Interest rates from 16% p.a. for qualified applicants with good credit profiles.

Quick Approval

Get approved within 24-48 hours with our streamlined application process.

Flexible Terms

Choose repayment terms from 12 to 84 months depending on your loan type.

Frequently Asked Questions

What is the minimum credit score required for Finbond loans?

Finbond typically requires a minimum credit score of 580 for personal loans. However, a higher score (650+) may qualify you for better interest rates and terms.

How long does it take to get approved for a Finbond loan?

Most applications are processed within 24-48 hours. Once approved, funds are typically disbursed within 1-2 business days.

Can I apply for a Finbond loan if I'm self-employed?

Yes, Finbond considers self-employed applicants. You'll need to provide additional documentation including bank statements, tax returns, and proof of business income.

Are there any early repayment penalties?

Early repayment terms vary by loan product. Some loans may have early settlement fees, while others allow penalty-free early repayment. Check your loan agreement for specific terms.

What happens if I miss a payment?

Missing payments can result in late fees and may negatively impact your credit score. Contact Finbond immediately if you're experiencing payment difficulties to discuss possible solutions.

Important Information

Responsible Lending: Finbond is committed to responsible lending practices. Borrow only what you can afford to repay.

Interest Rates: Interest rates are subject to change and depend on your credit profile, loan amount, and repayment term.

Fees: Additional fees may apply including initiation fees, service fees, and insurance premiums. Review all terms before signing.

Credit Bureau: Your payment history will be reported to credit bureaus and may affect your credit score.

Verification: Always verify current rates and terms directly with Finbond before applying.