Rating based on 59 reviews



PicotiFin homepage

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

Picotifin - We help you to manage your money better

Picotifin is a money lending financial service that knows how difficult it can be to manage your budget and still have a bit left over to save.

When your budget is already stretched and then your car breaks down, or your child gets sick and you need money in a hurry we are there to assist you with a quick cash loan.

Where do I apply?

To apply for a personal loan with us is very simple. There is no need for all this new technology to come into the branch and see us anymore.

Instead, everything can be done from the comfort of your keyboard or smartphone.

Visit our website and fill in the online application form and upload the necessary supporting documents.

Can I apply if I have been blacklisted?

If you have a bad credit record or have been blacklisted, you are still encouraged to apply.

We can assist you as much as we can and if we can’t give you a personal loan for bad credit, we will assist you in taking back charge of your finances.

100% free

Our service is 100% free. We won’t charge you a cent for using our service and we guarantee an answer after just 30 minutes subject to all the supporting documentation has been received.

Convert to contract

One of our unique services is we can assist you with turning your pre-paid cell phone into a contract cell phone. Even if the phone has been blacklisted, we could still assist you. Please fill in the online application form and we will see how we can assist you with your individual needs and requirements.

Loans paid out in a hurry

Once you have applied online, we will get back to you as quickly as possible as we realise that you need the cash in a hurry.

If your payday loan has been approved, we will pay the loan directly into your bank account. You will get to choose between our easy repayment terms. Depending on the amount that you qualify, you will have between 1 and 36 months to pay back the loan.

What do I need to apply?

To apply, simply visit our website and fill in the online loan application form with your personal details. You will also need the following supporting documents to apply:

  • Your South African ID or valid passport
  • 3 months bank statements (stamped by the bank)
  • A copy of your latest pay slip
  • Proof of residence that is no older than 3 months

Privacy policy

Here at Picotifin we understand your need for privacy and security. We do everything in our power to make sure that your information remains safe. Our privacy policy ensures that all the information we collect from you remains secure and cannot be sold or used in a detrimental way.

Pitcotifin collects some personal information, such as your IP address and e-mail address but these details are only disclosed to our relevant administration operatives. Your financial and personal information will remain safe and encrypted for added security. You are able to refuse to provide your personal details but this may adversely affect your instant loan application.

Sharing your personal information

The only personal information that we will share is with our contractors in order for them to process your bad credit loan application. Picotifin ensures that we will not rent or sell any of your personal information and we operate in good faith.

PicotiFin Personal loan

  • Loan Type Personal loans

Benefits of PicotiFin

  • PERSONAL Loans
  • HOME Loans
  • BUSINESS Loans

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 Online loan calculator is subject to our terms of use.

Picotifin - We will help you regain your financial freedom

Once you have entered into the loan agreement, it will be your responsibility to make payments. If for whatever reason you are unable to make a payment or you lose your job.

Please contact Picotifin immediately so that we can try to assist you before it negatively impacts your credit score.

Renew or upgrade your loan

If you would like to renew your payday loan or upgrade your loan, additional charges may apply. The extra charges will be charged on a pre-pay basis on the day you sign for the upgrade. Payments are unfortunately not refundable.

Automatic renewal policy

Please notify Picotifin if you want to cancel your loan agreement. In the event that we do not hear from you, your subscription will be automatically renewed and we will continue to charge you a subscription fee.

If you would like to cancel your subscription, send us an e-mail and we will gladly cancel it for you. Please take note that we will need you to contact us at least 30 days before you would like to cancel your subscription, or you will be charged for the new subscription.

Use your personal loan to finance your freedom – finance addiction treatment

In this day and age addiction is becoming more commonplace and more and more people are turning to drugs and alcohol to help fill the void that the economic crisis is creating. People feel hopeless, so they turn to things they shouldn’t help them escape or take away the pain for a little while.

Unfortunately, drugs and alcohol can be very expensive and drive the person to make poor financial choices. This often means that they neglect their accounts, make late payments or in extreme cases even lose their jobs that might be their only source of income. Sometimes they will take out personal loans and drive themselves deeper into debt and depression, which makes them dependent on the alcohol and drugs.

We are there to help you free yourself of addiction

This drug alcohol dependent culture is more commonplace than you might think and is affecting more and more families. Picotifin is experienced when it comes to families struggling with these issues and we would like to assist you or your family member when you need it most.

Some medical aid schemes cover addiction, but unfortunately many don’t. We will put you in touch with Liberty Home that understands how to deal with these issues and put you back on the road to recovery.

If you do not have the finances to pay for a rehabilitation centre and get the help you deserve, contact us and we can assist you to get an instant cash loan to help finance your freedom from addiction.

Contact us

Simply log onto our website and click on the “contact us” button. We will have one of our friendly consultants contact you. 

Customer Reviews & Testimonials

October 2018

I knew I made a good financial decision when I approached PicotiFin for a loan, I am a happy customer because of the affordable loan offer they have.

Frederick H
— Sandton —

February 2019

I am happy that PicotiFin has the most affordable interest rates on their loans. I would recommend their services to anybody that is looking for a good deal.

Daniel K
— Daveyton —

PicotiFin Contact

Contact Number


  • not available


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 –