AFINQO

Financial Solutions That Move You Forward.

Start my applicationExplore loans
An advisor talking two clients through a document

Lenders you can explore

14

Capitec Bank logoAbsa logoStandard Bank logoFNB logoNedbank logoSanlam logoAfrican Bank logoGoTyme Bank logoDirectAxis logoWesBank logoRCS logoCapfin logoOld Mutual Finance logoBayport logo

Loan categories to browse

3

Guided application for all

1

These figures describe what you can explore on AFINQO, not approvals or partnerships. Photography is illustrative and does not show AFINQO staff or customers.

Why AFINQO

A calmer way to find a personal loan that fits.

AFINQO is a personal loan facilitation and application management service. We are not a lender. We help you understand loan categories, choose a lender or ask us to suggest a match, prepare your documents, and keep track of every step.

The lender you choose makes every credit decision and issues the loan. Facilitation is free for the first three months of our pilot, and we never ask you for payment.

More about how we work
Find the right loan

Covering every step of your personal loan journey

Learn more

Small Personal Loans

R1 000 to R10 000

Medium Personal Loans

R10 000 to R100 000

Large Personal Loans

R100 000 to R500 000

Find My Match

We suggest lenders that fit

Categories help you browse and are not offers. Each lender sets its own amount, rate and term after assessing you. Approval is never guaranteed.

What matters

Principles we hold ourselves to.

Transparency

We tell you who issues the loan, what we do and what we do not do.

Choice

Pick a preferred lender or ask for a guided match. You decide what to accept.

Personal Attention

A real person reviews your documents and follows up with you.

Secure Handling

Private storage, short-lived links, and consent before anything is shared.

A client laughing with an advisor across a table

Know your options before you decide.

Compare lender-confirmed offers side by side, including fees and total repayment, before you accept anything.

Browse the catalog
How it works

Four clear steps. No guesswork.

See the full process
  1. 01
    Small R1k to R10k
    Medium R10k to R100k
    Large R100k to R500k

    Choose

    Pick a category and amount, then a preferred lender or Find My Match.

  2. 02
    ID document
    Payslip or statement
    Proof of address

    Apply once

    Add your details and documents in a guided, save-as-you-go form.

  3. 03
    Left
    Front
    Right

    Manual review

    A real person checks your documents and a short selfie video.

  4. 04

    Example layout only

    Lender confirmed
    AcceptDecline

    Decide

    See only offers a lender confirmed. Accept or decline in your portal.

Progress saved
Our application

A simple application. More choices.

  • Save and resume anytime01
  • Clear checklist of what is still needed02
  • Separate consent before any lender sees your file03
  • Notifications in your portal04
Start now, about 15 minutes
What to expect

Honest about what happens next.

  • No automated approvals
  • No guaranteed outcomes
  • Lenders may decline
  • Lenders may verify you directly

Lenders you can explore in our catalog

Logos identify each lender only. Listing does not imply a partnership, endorsement or approval.

Capitec Bank logoAbsa logoStandard Bank logoFNB logoNedbank logoSanlam logoAfrican Bank logoGoTyme Bank logoDirectAxis logoWesBank logoRCS logoCapfin logoOld Mutual Finance logoBayport logo
Loan Knowledge

Read before you borrow.

All articles
5 min read01

Example only

Amount borrowed
Interest
Fees
Total costRead it first

Understanding the total cost of a personal loan

Interest is only one part. Learn how fees, insurance and term length change what you repay.

Read article
3 min read02
Green-barcoded ID or smart card
Latest 3 payslips
Bank statement
Never a PIN or OTP

Documents to have ready before you apply

Having your ID, payslip or bank statement and proof of address ready makes the process smoother.

Read article
4 min read03
Income after deductions
Existing repayments
Living expenses
What is left monthly

Affordability: what lenders look at

Income, expenses and existing credit all play a part. Here is how to think about it honestly.

Read article
FAQ

Questions, answered plainly.

One application. More possibilities.

Free facilitation for the first three months of our pilot. No payments, no guarantees, just a clear process.

Start my applicationExplore loans