AproFIN provides professional and personalised processing of applications in the Micro Finance Industry in South Africa. We do not only rely on standard systems to establish and secure your loan, but go the extra mile to ensure you have the best opportunity available to having your personal, business or alternative loan approved.

Blacklisted and need a loan?

Bad Credit record? You CAN still qualify.

AproFIN understands that borrowing money has an effect on the economies of both the home and business. To ensure your loan application is processed to suit your needs we have

Friendly and professional staff to assist with any queries :you may have
Being NCR registered gives our clients the assurance that AproFIN works within regulated structures
Online applications to save you time
A free, no obligation quote (in accordance with the National Credit Act No. 34 of 2005)
Small / Short Term Loans

Loans of Up to R10 000
0 – 12 months to pay
Poor credit record welcome and fast approval of loans
Cellular (cellphone) Contracts

Top up contracts with free monthly airtime
All the latest handsets available
You control your spending
No more high monthly bills
Poor credit record welcome and fast approval
If you are struggling to get a cellphone contract, apply with us and we’ll put our plan into place for you.

AproFIN concerns itself with the best interests of your future and our first advice to you if you are a blacklisted loan seeker, is to attempt to find an alternative means to clear your name before lending money, however;

AproFIN seeks out alternative methods and systems to qualify your loan.

Contact AproFIN

Tel: 012 546 5747 Mobile: 082 641 4792

Fax: 086 714 3824 Send AproFIN an Email

How to buy airtime online with Capitec Bank

We know that you’re pressed for time and don’t always have a free moment to come in and see us. Mobile Banking offers easier and more convenient ways to manage your money and transact on your account, any time or place using your cellphone.

If you’ve already registered for Mobile Banking, dial *120*3279# to access this service. If you’re out of airtime, simply dial *130*3279# to top up your cellphone free of charge

Bridge Loans

Bridge Loans has a variety of Personal Loans from R500 to R20,000 with repayments between 30 days to 36 months to suit your individual needs. We are a responsible lender who believes everyone deserves a second chance and should have access to personal Loans when needed.

We know how difficult it can be to get access to personal loans in a short amount of time for things that are hard to budget for like car repairs, second car, white goods, rental bond, school fees, medical expenses, funeral expenses, holidays, gifts, furniture and other things.

If you are having difficulty getting a loan due to past history, have a minor default or simply need fast cash, Money3 will do it’s best to assist you. We focus on your ability to repay, customising easy and affordable repayments that suits you.

National Student Financial Aid Scheme (NSFAS) loan

If you are a South African citizen you may be eligible for a National Student Financial Aid Scheme (NSFAS) loan for study at one of the country’s public higher education institutions. The NSFAS, a statutory body funded by the Department of Education, provides study loans to academically able but financially needy students.

Much of an NSFAS loan can be converted into a bursary, which does not then need to be repaid, depending on one’s academic progress. A 100% pass rate would result in a 40% bursary rebate on an NSFAS loan.

The size of the initial NSFAS loan ranges from R2 000 to R30 000. You should apply at your university’s financial aid office. (See the list of university websites on the right.)

Bruma Finance Personal Loans

You never know when you may need a little extra finance. Life is unpredictable that way. Be it the cost of education, a coat of new paint, a wedding or even a funeral. Sometimes the financial burden just seems endless. It is for this reason that we at Bruma Finance go out of our way to assist our clients and lighten the load as best as we can.

For your convenience, they offer personal loans at affordable rates from R1000 – R15000 over six to eighteen month periods. They know the urgency of your application and pride ourselves on our same day response turnaround time. The best part is, once paid out, the money is yours to spend as and when you need it.

Bruma Finance has been providing credit to South Africans since 1997. From the start we realised that our clients are the heart of our business. Since inception, our main focus has been to put our clients first ensuring that our clients get the credit that they deserve. In an ever expanding market we have differentiated ourselves by building our business on a foundation of trust, honesty and integrity. Our ethos has ensured that our loyal customer base has and continues to grow month on month.

RCS Personal Loans

The RCS Group is an financial independent company which offers individuals a variety of loans including personal loans, home loans, insurance, private label and retail credit cards.

Who may apply for such a loan?

RCS personal loans range from between R1000 to R50 000 and individuals between the ages of 21 and 65, who is permanently employed, and earning at least R2000 per month can apply.

Back up and quality service guaranteed

The RCS Group was established during 1999 by two business giants namely, Standard Bank with 45% shares and Foschini Group with 55% shares, and therefore financial expertise and customer service backup is guaranteed for your RCS personal loans; RCS is also listed on the Johannesburg Stock Exchange (JSE).

How do I go about applying for such a loan?

It really is as simply as filling out an online application from the RCS main website. Simply fill in the form with accurate information and a customer service advisor will contact you within 48 hours to complete the transaction. A real time credit check facility is available which automatically provides information regarding your current credit ranking, and whether or not you qualify for the loan amount.

Because client’s interest is taken to heart, the service agent will need to discuss your current expenses and how much you can afford to pay on a new loan. With this information a feasible approved loan amount will be provided; individuals must be truthful as most of your current credit liabilities and info will appear on the credit bureau listing.

Loan period and interest rates

The repayment on your loan will vary from between 12 to 60 months and the interest will be charged accordingly. Being an independent financial credit provider, individuals should note that the interest rates charges will most probably be higher than the personal loans provided by conventional banks. RCS personal loans are unsecured loans which also mean that no collateral or securities from the individual is required, and therefore motivates the higher interest rates charged and smaller loan amounts offered compared to secured loans.

Other fees

Other fees, including initiation and service fees might be applicable and individuals need to be aware of this. Individuals may be subject to undertake a small insurance policy which will cover your loan amount in the case of dread disease, permanent disability or death.

RCS personal loans are usually must easier to obtain and the application process is simple. Friendly and knowledgeable customer agents will be able to assist with any queries, and whether or not the requested personal loan and repayments will suit your budget. RCS personal loans are ideal to obtain if you require funds relatively quickly. It can therefore not be stressed enough to keep your current debt payments up to date to ensure trouble free and easy access to a RSC personal loan.

Individuals interested in applying for a RSC personal loan or who simply require more information, simply apply at their website

Old Mutual Personal Loans

Funds are made available within minutes of your application for you to spend as you wish without needing to worry about providing spending plans and progress reports before approval is given.

Minimum term of 3 months.Maximum term of 36 months.Qualify for up to R50 000.Fixed interest rate at the time of the application.You need to be employed for at least 3 months at the same employer.The interest rate applied will be determined by your credit score.Only individuals can apply for a loan.You must be older than 18 years of age.

You need to be a resident of South Africa.You must have a valid South African ID document (Green, bar coded, 13 digit).You must provide a current payslip no older than 1 month.You need to provide a consecutive bank statement for the last 3 mont


    Please Contact your Old mutual Financial Adviser/ Broker or Old mutual Direct in order to apply. Turnaround time is approx 10 working days

ATM loans

ATM loans (Recurring advance deposit): This is an electronic service allowing customers to apply for small loans and receive immediate payouts at an ATM. It is a South African first. Currently FNB and ABSA offer the service where a customer can check to whether he or she qualifies and withdraw the amount, all from the ATM.
It is more like an overdraft facility where the amount is offset against the next deposit.