Rating based on 23 reviews


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

Picotifin - Affordable payday loans

We have been serving our fellow South African for more than 12 years.

We are a well-established company with an increasing customer base; our service is of high standard and professional in every respect. Our representative will try and assist you in every way possible.

Effective finance solutions

At Picotifin, we are well aware these tough times we are living in, you can barely manage the budget you are currently trying to live by - costs are on the rise and to put the cherry on the cake your car has broken down and needs repairing which you were not able to budget for perhaps you would like to take a well-deserved break and there is just no way you can afford that right now. This is where Pitcotifin is able to assist you with a payday loan, make that call today and find out if you qualify.

Getting your loan approved by Picotifin

The nice thing about us is that you need not come into our office or go to your bank and wait in long depressing queue’s to get your short term loan. Go online or use your smartphone, it’s as straightforward as that.     

Fast loan turnaround times

Are you blacklisted?  Do not despair, we offer blacklisted loans we are willing to assist you in getting that creditor off your back with those nagging phone calls, we totally understand.

We specialise in easy cash loans as well as loans for bad credit. The only way to find out if you qualify for a cash loan is to complete our online cash loan application form and we will reply within 30 minutes.

No hidden costs

No costs apply when enquiring about a quick loan with us. It’s absolutely free of charge and at least we would have put your mind at ease when we tell you your cash is on its way.

How long will l you have to wait for the money? 

Pitcotifin gets that you need your money as soon as possible and we can be very pedantic about time frame so we will make it happen as speedily as possible, we pride ourselves on our turnaround time.

When we request your documentation and you send it to us there will be no delay in the process from our side. It’s in both our interests to get your payday cash loan approved as soon as possible.

PicotiFin – Payday loan

  • Loan Type Payday loans

Benefits of PicotiFin

  • PERSONAL Loans
  • PAYDAY Loans

Payday 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 - Payday loans to suit your individual needs

Would you like to convert your prepaid cell phone to a contract cell phone? We can assist.

Fill in the online loan application form and let’s see what we can do for you, even if you are blacklisted. How do I find the extra cash? For less stress and peace of mind, we are pleased to say that you can now apply for a loan with us.

If you do qualify

You will receive the funds into your bank account in no time. You would be in a position to repay your loan over a period of 1 to 36 months but this would depend on what personal loan product you qualify for.  Keep in mind that a longer term will give you lesser monthly instalments while a shorter term will help you save on interest payments.

Your credit determines your rates

The interest rates regarding our instant loans are determined individually.  Customers with a clean credit record can expect to pay lower rates. Those with a bad credit record will incur higher interest rates.

We are proud to say that the payday loan application process is straightforward and you would receive welcoming assistance from one of our professional consultants.

In order to complete the loan application form, you will need the following

  • S.A ID Book or valid Passport
  • 3 Month bank statement (with bank dated stamp)
  • Latest Payslip
  • Proof of Residence (not older than 3 months

Financing addiction treatment

Cape Town is recognized for many well-known places and fun things to do when you are on holiday in the Mother City. Regrettably, there are certain things that dim Cape Town’s shine.

Although it may seem that all that glitter is gold unfortunately not! Addiction to drugs is on the increase and finding a decent rehab in Cape Town is easy, but the finance is not. Rehab centres don’t come cheap and are not always covered by medical aid and or hospital plans.

Addiction is a deciding factor for the youth and adults that get hooked for some reason. We can’t think of anything worse than a young man or lady who has such potential and a great life ahead of them, falling victims to drug and alcohol abuse or even gambling has the ability to take precious lives away and steal them from families and talents.

We at Picotifin care deeply for such cases. So don’t hesitate to give us a call should you need the financing, we will gladly assist you by means of a short-term loan.

Customer Reviews & Testimonials

September 2018

This is my second time using PicotiFin and I again was thoroughly impressed with how efficient the whole process was.

Nomsa M
— Port Elizabeth —

March 2019

This was the easiest payday loan I’ve ever gotten. It was not only fast but also really simple!

Darren C
— Johannesburg —

March 2019

PicotiFin understands how quickly you need the money and they deliver. After sending my application through, I was contacted by a consultant in just a little over 30 minutes to discuss my loan.

Marcia C
— Bloemfontein —

March 2019

Applying was straightforward and not complicated at all, so I was able to get my payday loan with no hassle whatsoever.

Phillip B
— Durban —

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 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday Closed –