Rating based on 88 reviews

Marlin Credit

  • Home loans up to R320,000
  • Reliable bridging loans
  • Apply 100% online

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Author Marlin Credit. Screenshot of Marlin Credit website.
[Accessed January 31, 2023]

Marlin Credit - Expert bringing finance

Marlin credit services offer bridging finance solutions for the individual. 

They offer investment payouts, personal loans and property bridging finance. They specialise in providing loans to people who are awaiting payouts from a pension, provident, package payouts or property proceeds.

Bridging loans for individuals

If you are expecting a large payout Marlin Credit service may be able to assist you with a cash payout while you wait. Their property loans are available to clients who are expecting a minimum benefit of R20 000 or up to a maximum benefit of R320 000 depending on the client's unique affordability.

If you are expecting a payout for any of the following, you might quality so contact them today:

  • Death claims
  • Disability claims
  • Medically bordered
  • Dismissed
  • Divorce claims
  • Investment payouts
  • Policy payouts
  • Resigned and awaiting a payout
  • Retirement annuities
  • Retrenched

What interest fee will you be charged?

Marlin credit services charge an interest rate and fees as prescribed by the National Credit Act and all their dealings are regulated by the National Credit Regulator.

The fees are calculated as follows

  • Short term – these transactions are @ 5% interest per month
  • Unsecured – these transactions @ 35.4% per annum or 2.95% per month
  • Service fee – this is capped at R50 per month with VAT added of R57 per month
  • Initiation fee – this fee is R150 on the first R100 capita + 10% of the total capital above R1 000. To a maximum fee of R1 000 + VAT = R1 140

The bridging finance you need

If you have already sold your property or you are switching between bonds, or awaiting an agent commission fee, Marlin Credit can assist you in advancing the money that you are expecting.

If you have funds from the property sale or transaction you will need to give them proof. Then we will be able to give you up to 80% of the proceeds that are due to be paid to you.

Their typical clients include:

  • Sellers on a property sale
  • Buyers on a property sale (linked transaction)
  • Agent on a property sale
  • Bond switch
  • Further bond

Apply online by filling out their obligation-free online loan application form to find out if you qualify.

Bridging finance

If you are awaiting a payout Marlin credit service may be able to assist you to get some money into your pocket without you having to wait for your home loan payout. If you are waiting for the minimum amount of R20 000 or the maximum amount of up to R320 000 they will be able to give you cash in hand while you wait for your payout. They will need proof that the money is coming to you, and then they will loan you up to 10% of the total amount in cash so that you don’t have to wait, based on your affordability.

Their typical clients include:

  • People waiting for payouts from death claims – beneficiaries of a loved one’s pension
  • Disability claims – if you have been medically boarded
  • Dismissed from your job
  • Divorce claims – if you are awaiting your share of your ex-spouse's pension payout
  • Investments – if you are expecting an investment policy payout
  • Policy payout – if you are expecting a policy to pay out soon
  • Resigned – if you have left your job and are expecting a pension payout
  • Retirement annuity – if you are turning 55 and expecting a pension payout
  • Retrenched – if your company has closed or scaled down 

Marlin Credit – Home loan

  • Loan Type Home loans
  • Loan Amount up to R320,000

Benefits of Marlin Credit

  • Pension bridging finance
  • Property bridging finance

Marlin Credit - Easy application

To apply for bridging finance is very simple. Go to their website and fill in the application form online.

By filling out the application form you are asking to know more, you are under no obligation to go ahead with the deal unless you want to. Someone from Marlin Credit will be in contact with you to explain the procedure and let you know of any supporting documents that you will need to send them, as well as answer any questions that you might have.

To apply, please supply them with the following details:

  • Your title
  • Your full name
  • Your surname
  • Cellphone number
  • E-mail address
  • Region
  • Category
  • Details of your approved mortgage

Then submit your form, once they have received it, someone will give you a callback.

Money in your hands when you need it most

No one likes waiting for money for a payout that can sometimes take months. Contact Marlin Credit to see if the claim that you are waiting for qualified and you could get the quick cash loan you need now instead of waiting for your policy payout.

Contact them

They have regional Agents to assist you in the following regions:

  • KwaZulu Natal
  • Eastern Cape
  • Western Cape
  • Northern Cape
  • Free State
  • North West (North)
  • North West (South)
  • Gauteng, JHB Central
  • Gauteng, Pretoria and East Rand
  • Mpumalanga and Limpopo

Alternatively please contact them via their online application form or the contact form, available on their website.

Customer Reviews & Testimonials

March 2019

With the assistance of Marlin Credit, I was able to get the finance that I needed to purchase my dream home. As a first time buyer, I was really nervous about the entire process but they eased me...

Steve S
— Sasolburg —

December 2018

Marlin is very upfront about all of their costs and charges. They are available right on their website! So you need not worry about any hidden fees because everything is right there in the open.

Bernice V
— Parys —

October 2018

If you are waiting for your home to sell and find yourself a bit short this month then apply for bridging finance at Marlin. They helped to get me through the month until my home sale went throug...

Rochelle S
— Odendaalsrus —

March 2019

If you are looking for a finance provider that cares about the wellbeing of its clients then MCS is definitely the company for you. When I was applying for my home loan most of the admin was cond...

Susan W
— Bloemfontein —

Marlin Credit Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed