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📌 Frequently Asked Questions (FAQs)

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1. Who can apply for a loan with Finwise Lending?

Anyone who is employed and has a valid South African ID number can apply. We assist people with low credit scores or who are blacklisted.

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2. Do you perform credit checks?

No, we do not base our decision solely on your credit score. We focus more on your current employment and income status.

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3. I’m blacklisted. Can I still get a loan?

Yes. Being blacklisted does not automatically disqualify you. We specialize in helping clients with bad credit histories.

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4. What documents do I need to apply?

You’ll need:

  • A valid South African ID

  • Your latest payslip or proof of income

  • Recent bank statements (usually last 3 months)

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5. How much can I borrow?

Loan amounts vary based on your income and affordability. Typically, first-time applicants can borrow smaller amounts, which increase over time with a good repayment history.

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6. How quickly will I get the money?

Once your loan is approved, funds are typically paid out on the same day or within 24 hours.

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7. Are there any upfront fees?

No. We do not charge any upfront fees. Any fees applicable will be clearly stated in your loan agreement.

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8. How do I repay the loan?

Repayments are usually done via a scheduled debit order on your payday to make it easier and hassle-free.

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9. Can I settle my loan early?

Yes, you can. We do not penalize clients for settling their loans before the due date.

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10. Is my information safe with Finwise Lending?

Absolutely. We take your privacy seriously and use secure systems to protect your personal and financial data.

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11. How do I contact Finwise Lending?

You can reach us via:

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