How it works
A straightforward route from your first request to choosing a lender.
Start with your borrowing needs
Go to the form, choose your loan amount and repayment term, and add your contact details. It takes less than 2 minutes, and applying doesn't commit you to anything.
Good to know: Using Finvo is free, and submitting your request doesn't affect your credit score.
Review the offers available to you
Finvo passes your request on to NCR-registered lenders, who send you tailored offers. You can then compare the interest rate, fees, monthly instalment and total cost of credit side by side – and choose the offer with the best terms.
Your advantage: One application gives you access to several offers at once – no need to phone around or apply at each bank separately.
Finalise your choice with the lender
Found an offer that suits you? Accept it and finalise your application with the lender. The lender completes a credit check and affordability assessment and may ask for documents such as your ID, payslips or bank statements. Once everything is in place, the money is paid into your account – often within 24–48 hours.
Important: Before you sign, the lender must give you a pre-agreement statement and quotation showing the interest rate, all fees and the total cost of credit.
Why South Africans choose Finvo
Save money
By comparing offers from several lenders, you can save thousands of rands in interest and fees over the term of your loan.
Quick and easy
The whole process only takes a few minutes. No queues at the bank and no complicated paperwork – just one simple application.
Safe and secure
Finvo only works with NCR-registered lenders. Your information is encrypted and processed in line with POPIA.