Need a Quick Loan? Apply Now!
Your Trusted Local Finance Partner
Because Local is Always Better!
We Have The Loans You need.
Local, Afrikaans & Better!
We believe in supporting local, and at Local Finance, we’re always here to lend a hand. Because local is always better.
92 398+
Loans given to clients
7295+
Clients
6+
Loan Officers
30+
Years Experience with loans
Loan Products
Loan Options Tailored to You
Short-Term Loans
Need cash quickly? Our short-term loans with a 1-month repayment period are perfect for those urgent expenses. Think of it as your personal overdraft.
Long-Term Loans
Need a bit more time? Our long-term loans, with repayment periods from 2 to 6 months, offer a more manageable way to handle your finances.
ABOUT US
We do what we love, we love what we do!
Local Finance is more than just a microcredit provider—it’s a family. Our roots run deep in the community, and we’re committed to helping our local community manage their finances responsibly. With our close-knit team of family, friends, and colleagues, we ensure you get the funds you need and the care and attention you deserve.
At Local Finance, affordability and responsible lending are at the core of what we do. We go the extra mile to make sure our clients aren’t overdebted, offering professional and friendly service every step of the way. With years of experience, we’ve helped thousands of clients cover unexpected expenses and meet their financial goals.
Whether you need a little extra to get you through the month or a bit more time to repay, we’ve got you covered.
Who can qualify for a loan?
- Permanent employees with monthly, fortnightly, or weekly pay structures.
- Government pensioners.
- SASSA old age beneficiaries.
- Permanent disability recipients.
Permanent Employees
With monthly, fortnightly, or weekly pay structures
SASSA Old Age Beneficiaries
Government Pensioners
Permanent disability recipients
Flexible Loan Options Tailored to You!
Depending on your affordability and needs, you can borrow anywhere from R100 to R7000.
What do you need to apply for a loan?
- ID
- Bank statements (3 months)
- Payslip/Proof of Pension/Sassa details
- Relevant contact numbers
- Bank card
Why choose us?
- We are a registered credit provider with NCR.
- We value affordability and responsible lending practices.
- A personal touch with professional service.
- Years of experience helping the community.
- Easy application process, with quick approvals.
OUR VALUES
UNITY
collaboration | ownership | accountability
INTEGRITY
trust | loyalty | honesty
GRATITUDE
thankfulness | appreciation | motivation
COMPASSION
fairness | empathy | kindness
EXCELLENCE
professionalism | dedication | passion
Local Finance is a registered Microcredit provider
We’re proud to be partnered with reputable organisations like Amplifin, NCR, and MFSA, ensuring you get the best possible service.
GET IN TOUCH
PAARL BRANCH
Address
Shop 4, Castle St, Lemoenkloof, Paarl
Hours
- Weekdays - 08h00 - 16h00
- Saturday - 08h00 - 12h00
- Sunday - CLOSED
WELLINGTON BRANCH
Address
1b Malherbe Str. Wellington
Hours
- Weekdays -08h00 - 16h00
- Saturday - 08h00 - 12h00
- Sunday - CLOSED
OUR PARTNERS
INFORMATION
- A personal loan is an unsecured loan that is available to individual customers. We give a maximum loan amount up to R8000 and offer a repayment period between 1 to 6 months. A personal loan is unsecured which means you don’t have to offer security in order to get your loan approved.
- Always ensure you choose a financial provider that suits your needs and are registered with the National Credit Regulator (NCR).
- Your personal loan is yours to spend on anything you like.
- Make sure you have a personal budget with your Income and Expenses to ensure you can afford the monthly repayments.
- Our fixed interest rate and contract cost means your monthly repayment will stay the same for the whole term.
- Make sure you understand the cost and conditions of a loan before you accept an offer.
- Consider a personal loan rather than a retail account, since the total repayment will be considerable less.
- A good credit record is something that every consumer need. If you consistently meet the necessary repayments you’ll build up a solid credit record and should you apply for further credit, such as other loans or accounts, you’ll be more likely to be granted the credit you need.
- We make use of Aspis for our Loan Protection Insurance.
- You are allowed to make use of your own credit insurance – please review the information sheet underneath.
- You can also speak to us about our Funeral Plan available to all our clients.