Rating based on 58 reviews

Mzansi Micro Finance

  • Flexible loan amounts
  • Affordable interest rates
  • Low repayment terms

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Mzansi Micro Finance homepage
Author Mzansi Micro Finance. Screenshot of Mzansi Micro Finance website.
[Accessed May 13, 2018]

Mzansi Micro Finance - Loans that will suit your pocket

Mzansi Micro Finance is registered with the National Credit Regulator we were founded in 2010 and has helped hundreds of South Africans with loans.

If you need a personal microloan that is effortless and repayment terms that suit your pocket, look no further. Our loans are effortless and easy to apply for. We work only with permanently employed blacklisted individuals.

Experienced and professional staff 

Our staff is very skilled and efficient in answering any of your questions. They will call you back and go through your application form with you, then help you determine the best short-term loan solution to suit your individual needs.

Mzansi Micro Finance can even help you if you have been blacklisted and once approved the loan will be available in your account within 24 hours. Our online application process is completely paperless and takes only minutes to enter your details and be on your way to financial freedom.

Debt consolidation

We also offer a debt counseling service, our financial specialist will help you manage the repayment of your existing debt and negotiate a more accommodating repayment structure that is more accommodating to your individual needs. Our debt counselors may suggest debt consolidation.

This process will combine all outstanding debts into one account, this will make it easier for you to handle your payments and allow you to make a smaller payment each month as well as lower your risk of not being able to make a payment.

Where do you stand

Even if you have a bad credit rating there are still ways that you will be able to borrow money.  These bad credit loan options are designed to help you get out of debt and help you get back on your feet.

These loans should only be taken as a last resort as unsecured loans usually have higher interest rates. It is advisable that If you have the option of using an asset as collateral to secure your loan in case of non-payment you should, as this will lower your interest rate. 

Your loan will be paid into your account within 24 hours

We offer you swift and secure loans ranging from as little as R1000 to R10 000 depending on how much you would like to borrow.

Our easy repayment terms range from 1, 3, 6, or 12 months. We guarantee swift and secure loans from our friendly consultants and once approved the money will be in your account within 24 hours.

Competitive interest rates

We offer a highly competitive interest rate on personal loans for blacklisted individuals. These rates can easily be viewed online compiled into easy-to-read charts, allowing you to easily calculate the costs and repayment structure.

Loans for people with bad credit

It is normally very difficult to apply for a loan if you have a bad credit rating; this is very challenging as you are probably more in need of a loan than anyone else. We understand that you may have an urgent need for cash, so we are there to help you wherever we can.

RCS Credit

RCS credit allows you to lend money for up to 55 days completely interest-free and access the money through your RCS card.

Use your car as collateral

Although this should be a last resort option, you may be able to use your car as collateral. If you have taken a loan to buy your car, you can only use this option if you have paid enough of your car loan off to apply for a car title loan.

The car then becomes the security to need to be able to secure a lower interest rate on the bad credit loan.  This is also very risky; as if you fail to repay the loan you could lose your car in the process.

Use a co-signer to secure your loan

Another option is to get a co-signer to sign for a loan with you. In this case, you and the other person would sign jointly and share the responsibility of paying back the bad credit loan together. This person would then be held responsible for the account in case of non-payment.

Mzansi Micro Finance – Personal loan

  • Loan Type Personal loans

Benefits of Mzansi Micro Finance

  • CAR Loans
  • PERSONAL Finance
  • QUICK Loans
  • BUSINESS Loans
  • HOME Loans
  • ASSET Financing

Personal 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.

Mzanzi Micro Finance - Little loans for unexpected cash emergancies

A personal loan can be used for anything that you need cash for including unforeseen emergencies, family holidays, or paying medical bills. Our service offers highly favourable interest rates and accommodating repayment terms.

Apply in minutes 

Our online application process takes only minutes to apply and strives to provide an efficient simple solution.

To apply online for a personal loan you will need to fill out the online application form with all your personal details. We will then do a credit check to see if you qualify.

Once you have been approved, you will be sent a loan agreement, you will need to accept this agreement by signing the document and then sending it back to us.

Money paid directly into your account  

Once your fast loan has been approved, the money will be made available to you within 24 hours, this may vary depending on which bank you use.

Payday loans

A payday loan is a small loan that is granted without a credit check, these are the easiest loans to apply for with people with bad credit. Although these loans often have the highest interest rates as interest is charged daily. They also require an initiation fee and a service fee, raising the cost of borrowing considerably.

These loans should not be used on a regular basis as it is easy to fall into a dreaded debt trap with these sorts of loans, this will, in turn, damage your credit rating. You could also become blacklisted as a result of defaulting on this type of loan.

Credit programs

Government agencies run special credit programmers that are designed to help those in need obtain microfinance, these instant loans could be used to cover repairs made on their cars or houses or could be granted to help the individual start a small business to support themselves in the future. To apply for these types of loans, you will need to apply in person.

When you need a personal loan and you have a bad credit history contact us today and we will help ease your financial burden.

Customer Reviews & Testimonials

February 2019

Mzansi Micro Finance gave me the most affordable personal loan!

Sithembiso M
— Richards Bay —

March 2019

If you looking for a trustworthy and convenient loan application system, try Mzansi Micro Finance. They certainly worked for me.

Carl H
— Cape Town —

April 2019

Mzansi Micro Finance ensured that I get a loan that would suit my budget and wouldn’t cause too much strain on my monthly expenses.

Palesa K
— Mafikeng —

Mzansi Micro Finance Contact

Contact Number



  • not available

Physical Address

  • Shop 2, Pomona Road, BP Centre, Pomona Estates Kempton Park Gauteng 1619 South Africa
  • Get Directions

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