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Finance 27 Loans: 2024 Review | Apply Online

Finance 27 Loans: 2024 Review | Apply Online

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Finance 27 loans are specifically designed for borrowers looking for same-day online short-term loans. This lender offers very attractive payday loan offers, but should you apply? This Finance 27 loans review will provide the answers you need to help you choose the best payday loan for you.

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✅ How Much Do You Need?


Finance 27 is one of the many online lending companies in South Africa. This particular lender specialises in fast, short term loans for consumers across the country. The financial services company is owned by Renier Botha, a Cape Town-based entrepreneur, who founded Finance 27 in 2010. 


  • Loan Amount: R500 – R7200
  • Loan Term: Repayment periods from 7 to 65 days
  • Interest Rate: Maximum APR is 38%
  • Loan Types: Sameday online short term loans


If you borrow R2000 from Finance 27 over 33 days, the total repayment comes to R 2 588. Total interest will be R 126, and total fees will be R 462. You may incur additional charges in case of late payment. You should note that this is only an estimate. Your actual repayment amount and instalment(s) will be outlined in the quote you receive when you apply for a Finance 27 loan.


✔️ Quick and convenient application process

✔️ Get an instant answer when you apply

✔️ Fast online loans available on the same day

✔️ Bad credit loans may be available


❌ Limited repayment options


Finance 27 is another online lender that differentiates itself by offering a niche product. Many South Africans with emergency expenses are in the market for instant, short-term loans, which they can access easily online. The financial services company has an innovative and responsive online platform to deliver such a product.


Finance 27 loans are a good fit for borrowers looking for short-term credit via a quick and convenient application process.


  • Need money urgently
  • Need a loan for a relatively small amount
  • Can afford to pay the money relatively quickly

Full Finance 27 Payday Loans Review

Dive deep into the world of Finance 27 payday loans so that you know exactly what you’re dealing with before applying.

Finance 27 logo

Pros Explained

Hassle-free and straightforward online application. Finance 27 has a quick and simple short term loan process. You can register an account within minutes. Finance27’s innovative and responsive online platform allows you to submit an application at whatever time is convenient for you.

Finance 27 provides an instant decision once you apply. This lender allows you to pre-qualify and quickly find out if you’re able to get a loan. You’ll get an instant decision that won’t hurt your credit score. If you like the offer, you can go ahead and complete the application.

Short term loan received on the same day. You can apply for sameday online short term loans. The lender deposits funds in your bank account once approved. It may take up to 24 hours for your bank to process the payment. The good news is that Finance 27 also offers an option for instant loans to ensure that the money is available in your account immediately for a small fee.

Your credit score doesn’t have to be perfect.

If you have a bad credit record, Finance27 may still be able to assist you. This lender considers other factors besides doing a credit check. Finance 27 also looks at your monthly income and expenses. If you can comfortably repay the loan, you may be able to qualify.

Cons Explained

Finance 27 doesn’t offer longer payment terms. Similar lenders in South Africa offer loan repayment periods of up to 6 months. If you’re looking for a long term financial solution, consider shopping around more. If you decide to go with Finance 27, make sure you can afford it and choose a repayment date that works for you.

How Do Finance 27 Loans Work?

You can apply for a sameday online loan and qualify for R500 up to R8000. Finance 27 says they offer repayment periods from 7 to 65 days. You can pay off your debt conveniently via debit order. 

When you apply as a returning customer, the same interest rates and fees will apply to any new loans you take. Finance 27 does not offer top-up loans or revolving credit facilities. Each loan you apply for is considered new and separate. 

If you don’t pay off your account on time, you’ll incur extra charges, including a service fee and additional interest each month. Defaulting will result in your account being handed over to external debt collectors and accruing additional charges. 

Late payments can also damage your credit score, making it challenging to get approval for future loan applications. The good news is that Finance 27 can make alternative arrangements if you communicate in time.

Is Finance 27 a Safe and Trusted Option?

Finance 27 is a registered credit provider accredited with the National Credit Regulator. The company ensures responsible lending by doing a credit check and financial needs analysis for every application. 

In addition, Finance 27 says it is safe to provide all the required information, such as your personal and financial details when applying. You can refer to the lender’s privacy policy to determine how your information is handled.

Even if you’re dealing with a registered provider, it’s important to do your own research. Look up Finance 27 loan reviews online to see whether you’re likely to have a positive experience with this lender before applying. 

How to Apply for a Finance 27 Loan

Check whether you qualify first and complete three simple steps to apply for a loan with Finance 27 South Africa.

What You Need to Qualify

You need to be:

  • A South African citizen
  • Above the age of 18 years
  • Be employed with a regular salary paid into your bank account 

Finance 27 Loan Application Process 

» Step One: Determine how much you need and how long you need to repay it. You only need a valid South African ID to prequalify and to agree to the privacy policy. You’ll get an instant decision that lets you know if you’re able to get a loan.

» Step Two: If you prequalify, the next step is to complete the rest of the application process. Fill in the quick and easy online application form with your contact details, address, employment details, financial details, and banking details.

» Step Three. Finance 27 will verify your information for accuracy. Once approved, you’ll typically receive funds in your bank account on the same day the application is approved. 

Finance 27 Contact Details

📌Finance 27 loans contact number: 012 941 1572

📌Email address:

📌Physical address: Unit 13, Kingfisher Building, Hazeldean Office Park, Silverlakes Rd, Tyger Valley, 0084

Other Loans Like Finance 27

Check out similar loans like Finance 27 in South Africa.

  • Sunshine Loans. Sunshine Loans offers fast cash, short term loans of up to R4000 over 49 days/7 weeks.
  • Lime Loans. Lime is another payday lender offering short term loans of up to R8000 with a maximum repayment period of 37 days.
  • Mpowa Finance Loans. Mpowa also provides short term loans of up to R8000, which are available by 5PM.


How do I apply with Finance 27?

You can apply for a sameday payday loan with Finance 27 online. Click Apply and fill in the application form to get a decision. If you’re approved, you’ll get cash in your bank account!

How long does Finance 27 take to pay out in South Africa?

Finance 27 offers sameday payday loans, which are paid out upon approval. You can also access instant loans to fast-track your bank’s processing times so that the funds are immediately available once deposited.

Watch Video: Finance 27 Online Loan Application

Our Research Expert

Gracie Makowe is a full-time personal finance writer with 10 years of experience and a Bachelor of Commerce in Financial Management from UNISA. Learn more.