Rating based on 61 reviews


Picotifin homepage
Author Picotifin. Screenshot of Picotifin website.
[Accessed January 5, 2021]

Picotifin - Online instant cash loans

PicotiFin is a South African company that is proud to offer instant cash loans to those that need them. Our company is based in Alberton and operates nationwide. 

Using the latest’s technological advances that we have available at our fingertips we have brought the art of applying for a loan into the future.

Gone are the days of waiting in long ques and waiting for days to see if your loan application has been approved or not.

Apply online

With our technology all you need to do is simply log onto our website and complete the online application form with your personal details, in no time at all we will give you an answer and find you the perfect lending solution.

Our consultants will ask you to supply a few important supporting documents; once we have received them we will match you to your perfect personal loan.

Convert your cell plan to save big

If you currently have a pre-paid cell phone, you could save a lot of money by converting to a contract account. This is another amazing service that we offer our clients. A contract phone will give you more freedom on your plan and unlock extra benefits.

Our company was first established in 2001 and has an excellent reputation due to its affordable payday loan products and helpful services. For this reason, we have thousands of happy clients that sing our praises and our client base continues to grow day by day.

Quick loan solutions

We know how challenging it can be to cover all your living expenses and pay all your bills using only your salary, this becomes even more difficult if emergency expenses arise and you may not know where to turn.

If your application is successful clients can expect to have their cash wired to their bank accounts on the very same day or in case of late approvals by the next day.

Our interest rates are highly competitive and favour our clients while the repayment terms offer maximum flexibility.

The solution to your financial problems

No matter what type of financial trouble you are in or why you need cash in a hurry, we are there to assist you and assist you quickly so you can get on with your life and stop worrying about your finances. 

We offer instant loans that are highly affordable and designed to help you get out of any financial difficulty quickly and easily.

Loans for clients with bad credit

If you are blacklisted or you are struggling financially that does not mean that your loan application will be declined. In fact simply complete the online application form and in less than 30 minutes we will contact you to let you know the amount that you qualify for.

Apply for one of our bad credit loans today because you have nothing to lose and everything to gain, it’s 100% free to apply and there is no obligation to accept the loan if you don’t agree to the terms and conditions.

Picotifin – Instant loan

  • Loan Type Instant loans

Benefits of Picotifin

  • Instant Cash Loans
  • Bad Credit Loans
  • Personal Loans

Instant 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.

Picotifin - Instant cash loans when you need it

When you are experiencing financial difficulty it can feel like the walls are closing in on you and that you don’t know what to do, or where to turn in your time of need.

This feeling of hopelessness becomes even worse when you apply for an instant loan but have your loan application declined due to whatever reason.

Loans for clients with bad credit

We understand that those individuals may need a loan and we are sometimes their last hope of gaining financial freedom. As many lenders discriminate against those with a low credit score or a bad credit record we invite you to apply with open arms.

If your credit is very bad you may be subjected to stricter lending criteria and stricter terms and conditions on a personal loan for bad credit. Our staff are very friendly and there to assist you should you have any questions or need something clarified along the way.

The amount that you qualify for will depend on your individual financial standing and circumstances. We will never lend you more money than you can comfortably afford to repay in a timely fashion.

A fast turn-around time

We are experts in providing quick easy loan solutions to individuals who require them in the fastest turnaround time. It’s as simple as completing the application form that is available on our website. We take the stress out of applying for a quick cash loan as we don’t keep you waiting, you will receive an outcome within a few minutes after submitting your application form.

We only lend you as much as you can afford

We are a very responsible lender and we want to assist you, not push you further into debt.  We will evaluate your affordability and lend you only as much as you can comfortably afford to repay.

Our short-term loans give you up to 30 days to repay your loan depending on your pay cycle. To make sure that you don’t miss a payment and have to pay extra penalty fees and charges, the lender will automatically deduct the amount you owe plus interest directly from your account.

If you have larger expenses that require a larger sum of money then you can apply for a longer term loan. Depending on the loan amount terms range between 3, 6, 18 or the longest term is up to 36 months.

The longer that your loan term is the more you will pay in interest. Never borrow more money than you can afford to repay as this will cause you to fall into a vicious debt trap.

Customer Reviews & Testimonials

April 2019

PicotiFin will always ensure that you get an affordable loan.

Melisa S
— Port Elizabeth —

April 2019

The interest rates at PicotiFin are affordable. If you are looking for a good deal, PicotiFin is your go-to credit provider.

Alincia M
— Meyerton —

Picotifin Contact

Contact Number


  • not available


Physical Address

Opening Hours

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