When life happens, go with Flow
Times are tough and money stress can make life harder than it needs to be. You’re not alone. Flow Finance can help get things flowing again with a quick and easy short-term affordable loan.

Get the cash you need, usually within 24 hours. Our fully secure, automated review process uses AI to ensure total anonymity and privacy and give you the fastest turnaround times.

Nobody likes to borrow money, but life happens and we all face unbudgeted expenses. Sometimes debt is unavoidable, that's why it's important to choose a lender you can trust to give you a fair loan you can afford to repay. As a trusted financial services and credit provider, we'll make life easier with a quick emergency loan to get you back in the game.
How It Works
Calculate
Use the top slider to choose the amount you need. Use the bottom slider to choose how long you need it. The repayment amount is calculated instantly.
Apply
Fill out the simple application form.
Submit Documents
SA ID Document.
3 months bank statement.
Your most recent payslip.
Loan Approved
We will verify your documents and credit history and if you’re approved, we’ll send you the loan contract to sign.
Short Term Loans
  • Borrow up to R2000-00 with up to 90 day repayment
  • Interest from 36% APR to maximum 60% APR
  • Customer protection insurance for peace of mind
How much interest will I repay?
The online loan and all fees, costs and charges are reflected upon application. What you see, is what you get. No hidden costs.
Fee & Interest Breakdown Summary
  • Service fee R60.00 per month plus 15% VAT
  • Initiation fee 15% on first R1000.00, +10% on any value above R1000.00, plus 15% VAT
  • Interest rate 0.17% per day up to a max 5% per month
  • APR ranges from 36% APR to maximum 60% APR
Representative Example
  • Borrow R2000-00 for 90 days
  • Interest & Fees R686-73
  • Total Repayment R2686-73
  • Representative 60% APR
Fees & Interest are based on regulations set out in Chapter 5 of the NCA no.34 of 2005.
Flow Finance promotes responsible lending, please do not expose yourself to credit if you know you cannot afford it.
Why Go With Flow
Money stress can ruin your peace of mind. It’s hard to think straight and you might feel totally stuck. Let us help get things flowing again with a short-term affordable loan.
Trust
We want to help make life easier, not get you into unaffordable debt.
Transparency
You can see instantly how much your loan will cost, no fine-print, no surprises.
Timing
Get money in your account within 2 hours of signing the contract.