Rating based on 55 reviews

Finance Wizard

Finance Wizard homepage
Author Finance Wizard. Screenshot of Finance Wizard website.
[Accessed May 13, 2018]

Cutting-edge financial services with Finance Wizard

Finance Wizard was established in 2004 by Dover Ramlall.  We strive to bring you cutting-edge financial products for all your bad credit requirements.

Our loan solutions are designed to assist clients who have experienced rejection by South African banks and other financial institutions. We offer fast and easy pre-approval processes that will give you instant satisfied results.

Our service is hassle-free

With our 10 years of experience in the finance industry, we aim to ensure the service you receive is hassle-free. We specialise in personal loans for bad credit and our number one priority is to help clients with bad credit obtain a loan that suits their individual budget.

We care about our clients

We are a reliable and reputable lender in the market. Our staff has years of experience and ensure that you experience your loan process in a friendly and helpful manner. We strive to give you the best service delivery available in the industry.

After having helped countless South Africans obtain a quick loan, we have been rated highly and are referred by our clients. Our employees are passionate about finance and this quality shines through and benefits our clients.

Confidentiality guaranteed

We understand that your privacy is a concern where bad credit loans are concerned.

What we do, is use innovative technology on our online platform to guarantee that your personal details and documents are secure with us and that they will never be available to any third parties.

Your loan application will be processed with the highest priority, ensuring that we get you the cash you need in the shortest time.

We specialise in bad credit loans

We treat all South Africans who apply for a loan equally regardless of their credit score.

We specialise in giving loans for bad credit as well as offering debt consolidation loans.

Our consultants will guide and help you choose the best loan option for your budget and needs.

Loans for clients with bad credit

We understand that a simple missed payment on an account can have a negative effect on your credit rating.

At Finance Wizard we do not look at your credit score, we instead do an affordability assessment to calculate the disposable income you have after expenses from your monthly gross salary. From that, we deduce your affordability for a loan repayment.

Debt consolidation loan

When you feel like you are drowning in debt, we are here to offer you a life jacket in the form of a debt consolidation loan.

We will calculate all of your current debt and restructure it into one affordable monthly payment.

Our aim is to help you get out of debt and remain out of debt.

Fast turnaround times

Due to our innovative technology, your online loan application will be processed with the highest priority, ensuring that we get you the funds you need in the shortest time.

We have one of the fastest loan turnaround times and our rates are competitive in the market.

Finance Wizard strives to help you reach your financial goals in the shortest time possible, leading you to a suitable financial situation sooner than later! 

Finance Wizard – Bad credit loan

  • Loan Type Loans bad credit
  • Loan Amount up to R150,000

Benefits of Finance Wizard


  • INSTANT Loans
  • INDIRECT Loans
  • LONG TERM Loans
  • DIRECT Loans
  • BAD CREDIT Instant Loans
  • MICRO Loans
  • STUDENT Loans

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Finance Wizard - Apply online now

Visit our website and apply for a bad credit loan. It will only take you a few minutes to apply and you will receive prompt feedback on the status of the loan.

Once you have agreed to the loan terms and conditions, the funds will be paid into your account to use at your own discretion. Our primary aim is to get the loan you need to be paid into your account as quickly as possible.

Loan qualification criteria

To qualify for an instant loan you must be a South African citizen with a permanent job. You must be at least 18 years of age but younger than 63 years old. Your monthly earning must exceed R3000.

In order for us to verify your personal details, please bring along with you the following personal documents: a copy of your South African ID, a current proof of address, bank statements and 3 month’s recent pay slips.

Value-added services

Our service will cost you R99 to use. You will receive a value-added credit fix toolkit e-book as part of the package.

Applying for short-term loans with many lenders will have a negative effect on your credit score, but if you apply through us, we will apply at lenders on your behalf and you can be sure that we will find a loan that suits your individual financial needs.  We use reputable lenders that specialise in giving credit to clients who have bad credit.

Loan options

The loan options that we have available include unsecured personal loans, bridging finance, home loans and emergency cash. With a list of reputable lenders and loan options, you will also enjoy the benefits of flexible repayment terms and lower interest rates.

At Finance Wizard, we will find you the perfect loan regardless your credit score. With our value-added credit fix toolkit, we will also help you to improve your credit score. If you need cash fast then Finance Wizzard is the best option for you.

Customer Reviews & Testimonials

March 2019

I applied for my loan even though I had a low credit score I was able to get my loan approved and paid into my account the same day.

Avish P
— Duran —

October 2018

I filled in my application and was called minutes later to finalize my application for my loan.

John S
— Pretoria —

January 2019

They will have the loan for you I know even with a low credit score they helped me get my loan.

Jackie S
— Cape Town —

Finance Wizard Contact

Contact Number



Physical Address

Opening Hours

  • Monday 08:00 – 16:00
  • Tuesday 08:00 – 16:00
  • Wednesday 08:00 – 16:00
  • Thursday 08:00 – 16:00
  • Friday 08:00 – 15:00
  • Saturday Closed –
  • Sunday Closed –