Rating based on 12 reviews


  • Online loan application
  • Low-interest starting from 5%
  • Repayment up to 10 years

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Author Finsap. Screenshot of Finsap website.
[Accessed August 11, 2021]

About Finsap

Are you struggling with bad credit but need to apply for a loan?

Are you aware of your loan options considering your blacklisted status? Would you like to take out a loan, but are not sure how best to go about securing one with a poor credit score?  Do you find yourself not being sure where you stand with your bad credit status and what the best route may be to get you back on track with your credit score?  Well, if you answered yes to any, and or, all of these above questions, then Finsap Loans would be the right choice for your current situation. 

Hope for all blacklisted clients

Finsap Loans offer online loans for non-blacklisted clients, blacklisted clients, and loans for clients who are under debt review. They are committed to helping you reach your goals with a loan even if you are blacklisted, have no credit, or if you have bad credit. The truth is that many people are blacklisted and bad credit or blacklisted statuses are not uncommon in South Africa and, for that matter, all over the world. This should not stop you from getting the finances that you need.

Blacklisted loans with low interest

It's easy to feel in the dark when it comes to looking for options with regards to finding any help with a loan with your blacklisted status. However, with Finsap Loans, you have a light at the end of the tunnel with loan offers at a low interest rate of 5%. Finsap Loans is an independent loan company that has been operating out of South Africa for more than 10 years and is based in the city of Johannesburg offering loans.

Loans are available for clients with good and/or bad credit within South Africa and other African countries. Your loan options are made to match your specifications, whether you require a business loan, a mortgage, a personal loan, a consolidation loan, or even a general loan.


Finsap Services

Finsap Loans offers clients different loans for different purposes.

Whatever your financial situation may be, your loan will be made to best suit your current loan requirements. The loan periods are built to match your needs and are either short-term, medium-term, or long-term loans.

Short-term loans

If you require a fast boost of cash over a 1, 3, 6, or 9 month period, then the Finsap short-term loan option will be ideal for you. The repayment amounts are low enough to manage with ease. These short-term loans are perfect if you have any sudden unforeseen bills that you need to pay or if you need to pay off any debt as quickly as possible or even if you would like to get married, expecting a baby, or simply a holiday!

Medium-term loans

Should you require a loan that offers a larger amount of cash that allows you 1 to 2 years to pay back, then a medium-term loan is the best option. A short-term loan is great for smaller amounts of money but for a greater amount of money, the medium-term loan is easier on your pocket because your repayments are spread better over a longer period.

A longer loan repayment period allows for more affordable monthly repayments on your loan, rather than being limited to a maximum of 9 months on the short-term loan. These loans are best suited for you if you would like to start a new business or even grow your current business. It is also helpful should you want to send your children to university or make any other investments that require a relative amount of money.


Finsap – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 5%
  • Repayment 1 month to 10 years

Benefits of Finsap

  • Flexible loans
  • Fast services
  • Quick funding

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.

Get a loan even if you have a bad credit score

Apply online today for the loan that best suits your financial needs and receive a check and approval on your application on the same day.

The entire application will take you less than 5 minutes from beginning to completion.

Long-term loans

A Finsap Loans long-term loan allows you the option of borrowing the maximum amount of money over anywhere between 3 to 10 years, even if you are a blacklisted client. The longer period allows you to maintain an affordable monthly repayment amount whilst getting a substantial amount of money on a loan.

You can speak to a professional Finsap Loans agent to receive any advice or assistance with your long-term loan. The agent will guide you through the process of getting a long-term loan and how best to manage the long-term commitment. Long-term loans are ideal for you should you want to invest in a new car, mortgage, or even an investment in a business or any other investment opportunities.

Valued clients

Your economic growth and your social change are important at Finsap Loans. All your goals are important and Finsap Loans aims to facilitate the achieving of your goals through bad credit loan options available to you while maintaining responsible credit solutions.

Join the happy client base

When you partner with Finsap Loans you join a community of many other happy clients that have been highly satisfied with the services offered to them.

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Finsap is a trusted & reliable provider of loans bad credit

In our review, Finsap adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

Finsap is a registered credit provider in South Africa: NCRCP 10078

Customer Reviews & Testimonials

July 2019

I really did not believe that we could get a Personal loan that we needed given our circumstances, we are very thankful to Finsap.

Martin H
— Rosebank —

May 2020

Very happy and great service

Vela D
— Johannesburg —

February 2020

Thanks, Finsap for your professionalism.

Jacobus V
— Randburg —

Finsap Contact

Physical Address

  • 125 West Street Sandton, Johannesburg Gauteng 2196 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 17:00
  • Sunday – Closed