Rating based on 44 reviews

Finance Wizard

  • Personal loans bad credit up to R150,000
  • Low-interest starting from 32.10%
  • Repayment up to 4 years

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Author Finance Wizard. Screenshot of Finance Wizard website.
[Accessed February 20, 2019]

Finance Wizard - Flexible loans

Wouldn’t life be nice if you had a magic wand that could grant all your wishes and make them come true? Finance Wizard can put money back into your wallet as quickly as if it were magic. When you need a loan for expenses that you didn’t budget for you should apply for a loan with us.

Our doors first opened in 2004 when we realised that there was a need for a lender that was there to help the average person when they needed a loan. 

We set up a site that is so user-friendly that you can easily apply for a personal loan for bad credit with us in a few minutes.

Technological wizardry

Our team of financial experts uses the latest technology to keep your personal information secure.

The system that we use is able to assess your application form very quickly and get you the money that you require on the same day that you apply.

How we plan to grow our business

Our vision for the future is to continue to expand and grow our business and bring our clients new innovative products.

We are expanding our bad credit loans to include all South African citizens and not penalize those that have a bad credit score or a low credit rating.

We plan to provide flexible loan terms and offer a better alternative option. Our staff are well trained and up to date with all the latest financial practises they are well equipped to handle all your queries.

Loans with low interest rates

We call ourselves Finance Wizard because we specialise in doing the impossible. Blacklisted clients, clients that have a default against their name or clients that have had their loan application declined by many other lenders apply with us and just like magic we find them a quick cash loan.

The best part is that our loans come with magical prices too, we offer one of the lowest interest rates in the business and our repayment terms are flexible to suit your wallet.

Loan types that we offer

We offer a variety of loan options from personal loans for bad credit and business loans to bad credit loans and bridging finance. Our service can find you any type of loan that you are looking for as we apply to all the leading lenders on your behalf.

If you had to apply to individual lenders on your own, each time that you apply your credit score would drop a few points.  Always use a loan finding service when you apply as you don’t want to negatively affect your credit score and make it even more difficult to obtain a loan in the future.

Unsecured loans

Our short-term loans are unsecured so they are less risky than loans that require a form of collateral because there is no risk involved for you. If you have a stable job and are a citizen of South Africa then you are welcome to apply and see if you qualify.

Depending on the type of loan that you apply for you might need to submit supporting documentation such as a copy of your ID and your most recent bank statements.

Finance Wizard – Personal bad credit loan

  • Loan Type Personal loans bad credit
  • Interest Rate from 32.10%
  • Loan Amount up to R150,000
  • Repayment 2 months to 4 years

Benefits of Finance Wizard

  • Bad Credit Loans
  • Personal Loans
  • Payday Loans
  • Short-term Loans

Personal 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 - Quick and easy loans

Clients can apply for bridging finance if they are waiting to receive a payout. The money could be from selling their house, being retrenched, a policy paying out, their provident fund payout or any other money that they will be receiving soon.

To apply for bridging finance you will need to provide proof that you will be getting a payout soon. The lender will then loan you a portion of that amount so that you have some free cash on hand, this is incredibly helpful when you need to settle transfer costs on your property or to pay for a funeral costs while you are waiting for pay out.

Lending made easy

If you are waiting to receive the payout for your provident fund it could take up to 6 months before even 1 cent is transferred to your bank account. This is highly frustrating when you need the money now and can’t afford to wait so long.

Apply for a personal loan for bad credit to help ease the gap between this time and the time that you receive your payout.

Advantages of a bridging loan include:

  • Those that have bad credit may apply
  • This is a short term loan solution to help bridge the gap between your payments
  • These loans can be used to improve your credit rating very quickly
  • These types of loans are normally very easily granted
  • The money will be paid into your account very quickly

Disadvantages of a bridging loan include:

  • These types of loans usually cost more because of the added convenience
  • These types of loans usually come with higher administration costs
  • Lenders are very strict about paying the loan back on time and the loan contract is not very flexible
  • You may find yourself in trouble if you have taken a personal loan against the sale of your property and the deal falls through or you get less for the property than you expected because you were bargaining on selling it at a much higher price.

Customer Reviews & Testimonials

October 2018

Finance Wizard has never disappointed me when it comes to giving me a loan on time.

Zelda V
— Pretoria —

April 2019

I would like to commend the consultants at Finance Wizard for going out of their way to give me an affordable loan offer.

Ntsiki M
— Eastern Cape —

July 2018

Finance Wizard certainly knows how to treat their customers. They attend to your queries right away.

John F
— Krugersdorp —

January 2019

Loan Hunters is my credit provider of choice because they distinctly consider all financial backgrounds of their customers.

Christopher P
— Brits —

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