Get the loan you need

Unexpected expenses are a part of life. Let us help you get back on track with a short-term online loan.

Loan Amount

How much money do you need?

R 500

Loan Term

One Month Only

1 day

Repayment Date

The date you need to repay your loan.

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Repayment Amount

How much you will need to repay.

R 0

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The amount displayed is for indicative purposes only. The final approved loan amount and terms will be confirmed in your official loan agreement.

Loan Amount

How much money do you need?

R 500

Loan Term

One Month Only

1 day

Repayment Amount

How much you will need to repay.

R 0

Repayment Date

The date you need to repay your loan.

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Interest

How much interest you will pay.

R 0

Fees

Total amount of fees you will pay.

R 0

X

Interest

Is calculated at the rate of 5% per month on the deferred amount (loan amount + (initiation fee + VAT)) for the first loan of the calendar year. For all loans for the same client in the same calendar year, interest will be charged at 3% per month.

Service Fees

R60.00 per month + VAT. For the first calendar month the number of days left will be charged pro-rata (Divide R60.00/number of days of calendar month) x days left of the month). For the next calendar month, it will be charged in full.

Credit Life Cover

Charged at R5.50 per R1000.00 of the deferred amount (Loan amount + (Initiation fee + VAT)). This covers death, retrenchment and disability (including temporary disability).

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The amount displayed is for indicative purposes only. The final approved loan amount and terms will be confirmed in your official loan agreement.

Interest and Fees

Interest

How much interest you will pay

R 4.17

Interest

Is calculated at the rate of 5% per month on the deferred amount (loan amount + (initiation fee + VAT)) for the first loan of the calendar year. For all loans for the same client in the same calendar year, interest will be charged at 3% per month.

Fees

Total amount of fees you will pay

R 69

Service Fees

R60.00 per month + VAT. For the first calendar month the number of days left will be charged pro-rata (Divide R60.00/number of days of calendar month) x days left of the month). For the next calendar month, it will be charged in full.

Credit Life Cover

Charged at R5.50 per R1000.00 of the deferred amount (Loan amount + (Initiation fee + VAT)). This covers death, retrenchment and disability (including temporary disability).

Get the loan you need

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 online loan.
At Flow Finance we have worked hard to make the process of applying for an online loan as easy as possible.
Applying for a short-term loan with us is convenient, as you can apply on your phone or PC anywhere, at any time. You also get quick feedback on your loan status.
Worried about your privacy? Don’t sweat it! Your personal details are safe with our encrypted, secure, online system.
When you take out an online loan with Flow Finance, you can instantly see how much your loan will cost. No fine print, no surprises!

How to apply for an online loan

1. Pick Your Loan Amount Decide how much you need.
2. Verify Your Identity We’ll do a quick check to make sure it’s really you-this helps keep the scammers away!
3. Fill Out a Simple Application Just a few details from you so we can run a background and credit check.
4. Get Your Cash If you qualify, the money is yours! Just pay it back on the date we agreed on.
5. Apply from Anywhere You can do all of this from the comfort of your own space.
6. Got Questions? Reach out to us anytime! [email protected]
P.S. Don’t forget to set up the debit order for your loan repayment. We will guide you every step of the way — without that, we can’t give you your money!

Short-term loans

  • You can take out a cash loan of up to R3000, with a one-month repayment period.
  • If your loan is approved, your money will be paid directly into your bank account.

How much interest will I repay?

  • Your loan repayment amount and all fees, costs and charges are reflected upon application. What you see, is what you get. No hidden costs.

Representative Example:

  • Borrow R2000 over 90 days.
  • Interest & Fees R771.32.
  • Repayment of R923.77 per month over 90 days.
  • 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.