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Please note: This calculator provides an estimate for illustration only. Your final interest rate and terms will be based on your personal credit profile and affordability assessment.
Before You Apply

Please have the following ready to avoid delays:

Applications without these documents can’t be processed.

Our Services

Fast, Flexible Personal Loans in South Africa

Get from R500 to R50,000 when you need it. Check your rate in minutes without affecting your credit score.

Future Finance is a license credit provider

Secure & Encrypted

4.8/5 from 1,000+ reviews

Get Your Personal Loan in 3 Simple Steps

Our process makes it easier
Use our calculator to select your amount and term.

Choose Your Loan

Use our calculator to select your amount and term.

Apply Online

Apply Online

Complete our simple, secure application form.

Get Your Cash: Once approved, the funds are sent directly to your bank account.

Get Your Cash

Once approved, the funds are sent directly to your bank account.

Why South Africans Choose Future Finance?

We Are the Best

At Future Finance, we offer transparent and flexible personal loans tailored to your needs. Use our Personal Loan Calculator to select your loan amount and repayment term, and easily understand your total repayment amount, including interest and fees and the monthly repayment amount. This ensures you can manage your finances with complete clarity and confidence.

Simple & Fast

Apply online in 5 minutes. No queues, no paperwork.

Flexible Amounts

Borrow from R500 up to R50,000.

No Collateral Required

Your personal assets are never at risk. We offer unsecured loans based on your affordability, not what you own.

You're in Control

Choose a repayment term from 1 to 24 months.

Transparent Fees

No hidden costs. See your rates and fees upfront.

We're Here to Help

Our team is ready to assist you via phone, email or WhatsApp.

* Annual Percentage Rate (APR)
Interest from 36% APR* to maximum 60% APR*.
Fees and Interest Breakdown
Initiation Fee: R165 plus 10% of the loan amount over R1000, capped at R1050. (plus 15% VAT) Service Fee: R60 per month plus 15% VAT
Interest Rate: 5% per month 
Insurance Cost: R4.50 per R1000 borrowed per month.
Representative Cash Loan Example​
Borrow R2,500 for 90 days
Interest & Fees R857.06
Total repayment of R3,357.00
Representative 60% APR*

What Our Customers Say

OUR TESTIMONIALS
Life Moves Fast, So Do We

Streamlined Loan Process for Quick Financial Aid

At Future Finance, we understand the ups and downs of financial life in South Africa. Whether it’s an unexpected expense or a dream waiting to be realised, we’re here to help.

Managing cash flow is simpler with Future Finance’s short-term loans. Need a quick financial boost? Financial assistance is just a few steps away.
Our team will promptly assess your application with care.
Once approved, expect a swift payout to address your needs.
We Make a Difference

Effortless Application,
Immediate Relief

Complete your loan application in under 5 minutes. Start your journey with Future Finance now and step closer to resolving your financial needs.

FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER
FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER FUTURE FINANCE IS A LICENSED FINANCIAL PROVIDER

Frequently Asked Questions

Q. Who is eligible for a personal loan?
To apply, you must be over 18, a South African citizen with a valid SA ID, be permanently employed, and have a bank account in your name.
You’ll need your South African ID, your latest 3 months of bank statements (in PDF format), and your most recent payslip.

Once your application is approved and you’ve signed your contract, funds are typically paid out on the same day or the next business day.

Our Annual Percentage Rate (APR) ranges from 36% to 60%, depending on your credit profile. We charge an initiation fee and a monthly service fee as per NCR guidelines. All costs are shown upfront in your loan offer.

Yes, as a responsible lender, we perform a credit check as part of our assessment process. However, we also consider your income and expenses to assess affordability.

Yes, you can apply. We believe in giving everyone a fair chance and assess every application individually based on your current financial situation and ability to repay.

Yes, you can settle your loan at any time. There are no penalties for early settlement. Contact our support team to get your settlement amount.

If you’re having trouble making a payment, please contact us immediately. We’ll do our best to work with you on a solution. Late payments may incur additional fees and negatively impact your credit record.

Feeling financially strained?

Let's Ease That

Quick, Convenient Personal Loans at Your Fingertips

Contact our office on  031 830 5205 or leave your details on WhatsAPP 010 143 3786 and we’ll contact you.

Contact our office on  031 830 5205 or leave your details on WhatsAPP 010 143 3786 and we’ll contact you.