Frequently Asked Questions About Small Instant Loans from Flow Finance

Find the answers to your questions about instant online loans in South Africa.

From SASSA grant questions to the online application process, these are all common questions during the online loan process. Flow Finance has the answers you need to make an informed decision that best suits your needs and financial goals!

How do I apply for an online loan?
  • Pick your loan amount. Decide how much you need.
  • Verify your identity. We’ll do a quick check to make sure it’s really you—this helps keep the scammers away!
  • Fill out a simple application form. We just need a few details from you so we can run a background and credit check.
  • Get your cash. If you qualify, the money is yours! Just pay it back on the date we agreed on.
  • Apply from anywhere. You can apply for a loan from the comfort of your couch.
  • Have questions? Reach out to us anytime on email [email protected]
  • Don’t forget to set up the debit order for your loan repayment (we will guide you every step of the way on how to do it) —without your debit order approval, we can’t release any money into your bank account.)

To apply for an online loan with Flow Finance, click here.

  • Your South African ID/Passport
  • Your latest payslip
  • Your last 3 months bank statements
  • You must be older than 18 years.
  • You need a valid South African ID.
  • You have to be employed with proof of income.
  • You need a valid bank account for repayments.
Once you have been approved for a loan and signed your loan agreement and debit order mandate, the money will be paid directly into your bank account.
Yes, we do credit checks. At Flow Finance we want to ensure that you are not over-extending yourself financially, and that you can afford to take out a loan and repay it.
Unfortunately, we cannot issue loans to people under debt review.
Unfortunately, we cannot issue loans using a SASSA grant. We need your latest payslip and last 3 months bank statements to process a loan.
We will never ask for an upfront fee to process a loan. That is illegal.
Unfortunately, at Flow Finance we do not offer vehicle or business loans. We offer personal loans of up to R3 000 with a one-month repayment period.

Everyone’s financial situations are unique. Click here to see if you qualify for an online loan.

The Flow Finance website is operational 24/7. However, if you are struggling with the application process, support from a consultant will only be available from Monday to Friday from 8:00 am to 4:30pm and on Saturdays and Public Holidays from 8:00 am to 13:00 pm. We are closed on Sundays.

If you are having any issue with your online loan application, you can email one of our consultants at [email protected] or call our Customer Care Line on 087 701 8664 during support hours for assistance.

  • Monday to Friday: 8:00am to 4:30pm
  • Saturdays and Public Holidays: 8:00am to 13:00pm
  • Sundays: Closed

Found the answer you needed?

Complete our fast, easy application process today and get your small instant loan online.

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