Rating based on 42 reviews

KND Finance

  • Short-term loans up to R30,000
  • Repayment up to 10 years

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

KND Finance - We have the best deals on loans

KND Finance has been around since 1999 and has provided South African citizens short-term cash solutions for many years. We specialize in granting short-term micro loans for when you need cash in a hurry.

We have helped thousands of clients by offering them the best deal and getting them the short term cash they need it when they need it. All our customers are treated with dignity and respect and we aim to have the best customer service available.

What we offer

KND finance offers short-term cash loans that are simple, easy and fast cash solutions. Our flexible repayment terms are very easy to pay back. Other services we offer include:

  • Unsecured loans
  • Personal loans
  • Short term loans
  • Cash emergencies
  • Quick cash loans
  • Money loans
  • Debt consolidation loans
  • Business loans

Where we are located  

We are based in Port Elizabeth but due to the beauty of technology, we can assist clients from anywhere in South Africa. Our friendly consultants are there to answer any questions you may have or guide you through the application process.

Easy repayment terms 

KND finance payday loans offer easy repayment terms that you can choose between. We offer the best interest rates at a fixed rate so that you can control your budget better. If you need longer to repay the loan, please contact us as there are options available to have the loan repayment period extended.

Easy convenient loan applications

A personal loan can be used for a number of different reasons for anything that you need money for. We offer the most competitive interest rates and easy to manage repayment terms.

It’s no secret that the prices of everything keep going up while salaries remain the same. More and more people have to turn to fast cash loans to make needs meet.  

Easy to apply

To apply is so easy, all you have to do is log onto our website and fill in our online loan application form.  Fill in your personal details and consent to a credit check and we will do the rest while you sit back and wait for us to call you with an outcome.

Credit check

To make sure that you can afford to take out a loan and that you will be able to make the repayment terms we will need to run a credit check. If you have a bad credit score, we still might be able to help you, your repayment terms might be made a little strict and you will be allowed to borrow less until you have built up your credit score.

What are loan fees and interest fees?

All lenders have to comply with the National Credit Act. This act protects consumers from unfair fees and high-interest rates. They offer a capped highest fee rate that no lender is able to charge more than that rate.

Some interest rates can be unfixed, this means that they go up and down and can be affected by the financial market. It is always better to take a short-term loan that offers a fixed interest rate. This will give you a lot more control over your budget and help save you from the fluctuating market. 

Money paid directly into your bank account

Once your loan application has been approved, we will pay the money straight into your South African Bank account as soon as possible. Depending on who you bank with this could be the same day payment.

KND Finance – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to R30,000
  • Repayment 30 days to 10 years

Benefits of KND Finance

  • SHORT-TERM Loans

Short-term 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.

KND Finance - Fast, save short-term loans

We offer two different types of personal loans to our clients.

  1. Short and medium-term loans these are known as fast cash or payday loans.
  2. Long-term loans these are normally secured loans that need some sort of collateral to secure them.

Short term loans

Short term loans allow you to borrow as little as R100 to as much as R30 000 depending on your loan agreement. These loans need to be paid back either over 30 days to the longer term agreements of up to 10 years.

The amount that you can borrow will depend on your affordability and if you can easily pay back the loan without pushing yourself further into debt.  These loans are unsecured – this means that you don’t need to put up your house or car or other assets as collateral and risk losing it.

An unsecured loan usually has a higher interest rate.

Long-term loans

Long term loans are usually loans for very large amounts. They need to be secured by one of your assets. You can put up your car or house as collateral.  If you don’t make payments on time, you can lose the possession listed as collateral. You can repay a long-term loan over a period of 10 years.

There are two types of long-term loans that we offer:

  1. Home equity loans – these loans use your home as collateral to secure your loan.
  2. Debt consolidation loans – these also use your home as collateral. The loan is taken against your property and is used to pay all your other outstanding debt by letting you make one repayment per month instead of paying multiple creditors.

Contact us

Contact KND finance by logging onto our website or by calling 041 582 3431 or 072 994 7680

Customer Reviews & Testimonials

May 2018

I was able get the finance I needed without the issues that other banks have given me. I am not a homeowner and I do not own a vehicle so obtaining finance has been difficult. But KND Finance ass...

Imkhitha M
— Ladysmith —

April 2019

I am the type of person that enjoys handling my own finance which is why KND’s flexible loan terms are perfect for me. Not only do they offer a great rate but they also offer flexibility that I n...

Michelle K
— Pietermaritzburg —

February 2019

With their new online application I was able to apply for a KND loan fast and easy. It took me only a few minutes of my time without all the paperwork and the signing. Thank you for the efficienc...

Julie M
— Port Elizabeth —

KND Finance Contact

Contact Number


  • not available


  • not available

Physical Address

  • 638 Govan Mbeki Avenue, North End Port Elizabeth Eastern Cape 6001 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 – 17:00
  • Saturday 11:00 – 15:30
  • Sunday Closed –