Rating based on 48 reviews

UT Financial

  • Flexible loan amount
  • Low interest rates
  • Flexible repayment terms

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

UT Financial – Let your business go from strength to strength

UT financial loans were started to assist small and medium businesses that make up South Africa’s fast-growing economy with loans to help their businesses grow from strength to strength.

We operate in partnership with UT Holdings and FABCOS who are also financial leaders in Africa.

We aim to treat our clients with dedication, integrity, and expertise. We are a non-banking online loans company and are fast becoming the institution that South African business owners turn to first during their time of need.

Fastest in the business      

Our business loans are the fastest in the business and can be approved in as little as 48 hours from approval. Our expert knowledge and service will get you the best, most competitive interest rates with easy and flexible repayment terms.

Our values  

Our main value is to make sure that every client is fully taken care of and benefits from our service. Other values include:

  • Teamwork – we rely on teamwork to help each other and deliver on our promises
  • Respect – making sure our clients are treated with respect and dignity
  • Fun – to bring fun into the work environment
  • Serving – servicing our clients and putting their needs first
  • Sharing – sharing information, listening to one another and helping where possible
  • Succeeding – always trying to do better, learn more, and encourage others to improve
  • Integrity – practicing good judgment based on corporate and your personal values
  • Accountability – owning up to decisions and taking responsibility for problems or victories
  • Family/self – having a balance between work and family life   

We give reliable loans to business owners

We offer South African business owners a loan to help grow their business. We develop a partnership with the business owners and offer expert advice, extensive knowledge, and reliable loans.

Our personal loans help not only the small to medium business owner but South Africa as a whole by growing the economy.

We offer the following types of loans:

  • Payday loans
  • Cash loans
  • Personal loans
  • Blacklisted loans
  • Online loans


UT Financial services are there to assist entrepreneurs that usually have trouble getting funding from the big banking institutions that have strict criteria and difficult repayment terms.

Our service gives quick loans to those that need a little help to kick-start their business. The loans can be used to buy equipment or help manage your cash flow. If you work from home or offer online assistance or services these loans can be used to buy a computer or upgrade your internet package.

Easy to apply online  

To apply is very simple, but because this is a business loan, we will need to look into your business idea and make sure you meet the criteria for a loan, and check your affordability.

Applying this can take as little as 48 hours. This process can be completed online via our online loan application.

Once you have signed the loan contract you can expect the money in your bank account within 24 to 48 hours. 

UT Financial – Personal loan

  • Loan Type Personal loans

Benefits of UT Financial

  • PERSONAL 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 quick loans calculator is subject to our terms of use.

UT Financial Services - We can help you grow your business

Our business loan amounts are granted case to case. We look at your business's specific needs and your individual requirements to determine how much your business needs to loan in order to make their idea a success.

How long I have to pay back the loan

Our terms are flexible and depend on your affordability and the amount the personal loan has been granted for. We make sure that you will be able to repay the loan easily so as not to add stress and pressure to the pressure of running your own business. The interest rate is based on your specific requirements.

An online loan

Online loans are the quickest type of loans that you can apply for. They are very convenient and give you access to fast cash when you need it most. You chose the amount that you would like to borrow and how long you need to pay it back. The entire process can be completed online and the money gets paid directly into your bank account.

How it works

The online application form needs to be completed with your personal details. You will need to consent to a credit check. The lender will then perform a credit check and make sure that you are able to afford a business or payday loan.  Once you have been approved, we will send you a loan agreement. You must sign this agreement and agree to the repayment terms set out. Sign the contract and send it back to us. Within a few hours, the money will be paid into your bank account.

Loan fees and interest rates

Loans can be very confusing and you need to make sure that you understand the contract that you are signing. Understand what an interest rate is and how much you will be paying on interest. Look for any service fees or administration fees and make sure you take these into account when you are figuring out how long you need to pay back the instant loan.  The National Credit Act protects clients from being taken advantage of and sets an upper limit that fees can be charged up till.


Most South African citizens fall into a debt trap by not budgeting correctly. They spend more money than they have and they don’t realize what things cost versus how much they earn and spend money on things that are actually not needed.

A budget should always leave your money left over in case of emergencies. You should budget for food, bills, and any long or short-term loans you might have. If you miss payments on your loans, late fees will be added driving you deeper into debt. 

Your personal loan options

The different types of personal loans we offer are:

  • Short to midterm loans – offer lower amounts usually 30 days to 10 years
  • Fast cash and payday loans – offer small loans that need to be repaid by your next payday
  • Long-term loans – this loan gives you over 10 years to pay back the money
  • Secured loans – this type of loan need to be backed by collateral such as your house or car
  • Asset loans – these types of loans are usually backed by your property
  • Debt consolidation loans – these loans are used to pay off your debt so that you only have one amount to pay per month. 

Customer Reviews & Testimonials

November 2018

UT Financial Services has the best loan application system. Everything was easy to follow through.

Hamilton P
— Johannesburg —

April 2019

I remain a happy customer because UT Financial Services has the most affordable credit deals.

Kimberly J
— Cape Town —

UT Financial Contact

Contact Number



  • not available

Physical Address

  • Office 204, 1st Floor Yarona Building, 85 Cnr Watt & 3rd Street, Wynberg Johannesburg Gauteng 2090 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