We understand that life happens — that’s why we proudly offer financial solutions for:
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✅ Individuals with poor credit history
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✅ Those currently under debt review
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✅ Clients who are blacklisted
Yes, you can still qualify!
We believe everyone deserves a second chance.
📌 What You’ll Need to Apply:
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South African ID or valid identification
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Recent payslip or proof of income
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Latest 3 months’ bank statements
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Proof of residence (not older than 3 months)
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Additional documents may be required based on your profile
🛑 Don’t let your credit status hold you back.
With Matrix Financial Solutions, you’re more than just a credit score.
📲 Apply today and take the first step toward financial freedom.
📧 info@matrixfinance.co.za | Click here to apply
About Company
Simple Loans. Real Support.
Supporting Your Financial Journey, Year After Year
Loans Designed Around You
Whether it’s a personal goal or an unexpected need, Matrix Finance offers fast personal loans with hassle-free processing, clear pricing, and support every step of the way.
Fuel Your Business Growth
Matrix Finance provides reliable business financing with quick approvals, flexible terms, and expert support. Trusted by entrepreneurs for speed, transparency, and solutions that scale with your ambitions.
13+
Years Experience
Finance
Safe and Secure Payments
We understand that our customers want their data to be protected from harm and kept out of the hands of those who might misuse it.
Quick Payments Process
Your loan will be deposited into your designated bank account once your application has been approved and all required processes have been successfully completed.
Lowest Possible Interest Rates
Apply online and enjoy our unbeatable low interest rates on loans tailored to meet your financial needs.
Blacklisted | Low Credit scores
Applicants who are blacklisted, under debt review, or have a low credit score are still welcome to apply, with a high approval success rate.
What We Are Offering
Providing Reliable Loan Services Tailored
for You.
CALCULATE YOUR RATE
How much do you need?
Use our simple Personal loan repayment calculator to get an estimate of the monthly instalment of a loan of a certain amount and term.
98%
Satisfied Customers
our testimonials
Customers Testimonials
Enye yezona nkampani zemboleko zithembekileyo eMzantsi Afrika. Ndiyigqibile yonke inkqubo kwi-intanethi, imali-mboleko yam yamkelwa yaza yahlawulwa kwangolo suku.
Friendly customer service, a simple application process, and same-day approval quick, efficient, and reliable
I waited around five hours for my consolidation loan approval, but the payout happened the same day. At least I’m stress-free now.
Hul diens is uitstekend en die reaksie is vinnig. Baie dankie, Matrix Finance
Inkonzo enhle kakhulu. Imali mboleko igunyazwa ngokushesha, kanti nenkokhelo nayo iyashesha. Ngingancoma noma ubani ukuthi azame ukubolekwa imali kwaHollard — impela uzajabula!
I’ve tried several loan companies, and this one is the real deal. My loan was deposited into my account in just two hours
Gebruik hulle die afgelope jaar uitstekende diens
Extremely reliable service. I highly recommend them.
Finance of choice and efficiency. Thank you to Matrix Finance for always being quick to respond and thorough with follow-ups.
%
Loans Approved
ZAR
k
Daily Payments
k
Happy Customers
Expert People
96%
Success Rates Guarantee
OUR BENEFITS
Why you should choose our company
Matrix Finance Group follows internationally recognized Environmental, Social, and Governance (ESG) standards, along with the International Finance Corporation (IFC) Exclusion List.
We operate with strong ethical values, clear codes of conduct, and full respect for laws and regulations. This commitment guides how we do business and ensures responsible, transparent decision-making across our organization.
Low Interest Rates & Fees
Transact with the cheapest low-cost banking service in South Africa, Almost Zero Charges
99.8% Success Rate Guarantee
Flexible with Your Repayments
Easy in 3 steps
*Submit application form with required documents. *Await approval, *Funds deposited into your bank account.
What We’re Offering
Our latest news updates
& articles
ILLUSTRATION OF THE TOTAL COST OF A PERSONAL LOAN
Total amount borrowed: R 10,000Time period: 12 Months Interest Rate: 5.75%Total Monthly Cost – From R857.40 for 12 Months R 10,000 loan at 5.75% (lowest rate, longest time period). This is
inclusive of principal repayment.
Annual Percentage Rate (APR) of charge including all applicable fees: 5.75%.Total cost payable over loan tenure: R12, 288.85 for 12 Months loan.
Disclosure Notice
➜ You apply for a loan governed by the National Credit Regulation Act (12 N.S.C 2601 et seq.)
➜ You have to repay your loan at the stipulated period to avoid late repayment fees and blacklisting.
➜ The loan for which you apply for will be serviced at this financial institution and we do not intend to sell, transfer or assign the servicing of this loan.
➜ Do not pay intermediaries. Call our customer support for assistance.
➜ To report fraudulent activities, contact our fraud department through: fraud@matrixfinance.co.za
Please note that we are registered with NCR. See the below guidelines when applying for a loan:
Minimum loan period 12 months Maximum loan period 180 months. Maximum APa
There should only be initial cost if your monthly debit order was unsuccessful as a result of insufficient funds or changing bank accounts without prior notice to the service provider. The service provider will try to contact the client in order to resolve the problem.
If the client can’t be found or the problem can’t be solved, it would be handed over to the internal collections department to see if a solution to the problem can be found. If an agreement can’t be reached, the lender can make use of an external collections company or an attorney.
This will lead to an increase in fees and interest. This will have a big influence on the clients credit score and it will be very difficult to get any more credit from any loan provider.
Monthly premiums for loan repayments will be done by direct debit order collection from the clients bank account. Unsuccessful debit order collections may result in the client being charged a fee by his own bank for the unsuccessful transaction.
Maximum APR 32% per annum. Representative example: Loan amount R100 000, 4 Years. terms: (Annual Percentage Rate) 5.75%, monthly repayment R2,316.09. The interest rate will depend on the loan amount, loan term, and credit profile of the applicant.
Annual Percentage Rate
Minimum loan period 12 months Maximum loan period 120 months. Maximum APR 32% per annum. Representative example: Loan amount R100 000, terms: (Annual Percentage Rate) 5.75%, monthly repayment R2,316.09. The interest rate will depend on the loan amount, loan term, and credit profile of the applicant.
Renewal Policy
If a client is up to date with his loan repayments, they may qualify for a second or third loan depending on the criteria as set by the loan company. The client will have to apply again and the loan provider will look at the clients profile, affordability, etc. The loan provider will then make a decision based on the rules and regulations.
Personal Loan Cost Example
To help you understand the cost of a personal loan, here’s a simple example:
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Loan amount: R10,000
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Loan term: 12 months
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Interest rate (APR): 5.75% per year
What you’ll pay
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Estimated monthly repayment: R859.52
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Total amount repayable: R10,314.19
This total includes both the amount borrowed and interest over the full loan term.
Responsible Lending
At Matirx Financial Services, we believe in responsible lending.
We do not offer short-term loans that must be repaid within 60 days or less. All loan applications are assessed for affordability and approved in line with the Credit Act (NCA) of South Africa.
Representative Example
If Leticia borrows R10,000 over 12 months:
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Interest rate: 5.75%
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Monthly repayment: R859.52
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Total amount repayable: R11,314.19
Our interest rates will never exceed the maximum allowed by the NCA, currently capped at 29.25%.
Who Can Apply
You may apply if you:
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Are 18 years or older
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Have a South African ID or driver’s licence
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Have a South African bank account
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Are employed and earn R3,000 or more per month
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Can provide proof of income
🚨 Fraud Alert
📧 Report suspicious activity immediately:
reportfraud@matrixfinance.co.za
We are aware of scams using our name on platforms such as Facebook and WhatsApp. If you are unsure whether you are dealing with an official Matrix Financial Services representative, please contact us directly.
✅ How to Stay Safe
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We will never ask for your bank card details, PIN, CVV, or online banking passwords.
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Report suspicious messages, calls, or activity immediately.
Your security matters. Stay alert and protect your money.
Non-Payment Information
Failure to repay your loan may result in:
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A R69 service fee and 5% monthly interest added to your account
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Your account being handed over to an external debt collection agency after two missed payments, which may lead to additional costs
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A negative impact on your credit record, making it harder to qualify for credit in the future
Renewal Policy
Clients who are up to date with their loan repayments may be eligible to apply for an additional loan. Each application is reviewed individually based on affordability and other required criteria. All approvals are made in line with the rules and regulations set by the National Credit Regulator (NCR).
Warning
You have to repay your loans to avoid being blacklisted by the Credit Bureau.
Don’t pay any intermediaries.
Customer Service/ Complaint Hotline： +27213004772 (Monday to Friday, 8am-5pm)
➜ Income Proof and Address Proof waiver, only for loans with the maximum loan amount of R500,000 for customers who fulfil specific credit requirements. Matrix Finance reserves the right to request further supporting documents for loan approval purposes in certain circumstances. Larger loan amounts may be offered to customers who provide further supporting documents. Government Issued ID and disbursement account proof are required from new customers for identify verification and loan disbursement purposes.
➜ Get Extra Cash instantly – The customer must fulfil specific credit requirements to be eligible. ➢All required application information must be complete and accurate. Final approval is subject to the final submission of all relevant documents and the credit record of the customer. If customers apply during system maintenance period, approval result will be sent via email and SMS after system resumes. ➢The loan will be transferred via Faster Payment System (FPS) after the loan agreement is signed and the loan is approved. ➢Actual transfer time is subject to each individual bank’s transfer service hours.
➜ Matrix Finance reserves its absolute right on any loan approval decision and any disputes. In the event of any inconsistencies between the English and Chinese version of the Terms and Conditions, the English version shall prevail.
⚠️ Important Notices
1. Loan Repayment Responsibility
It is your responsibility to repay your loan on time. Failure to do so may result in your information being reported to the Credit Bureau, which can negatively impact your credit record.
2. Beware of Fraud
Do not make payments to intermediaries or third parties.
3. Customer Support & Complaints Hotline
📞 +27 (21) 300 4772
🕒 Monday to Friday | 08:00 – 17:45
🛑 Disclaimer
Matrix Finance reserves the absolute right to make all final decisions regarding loan approvals and to resolve any disputes that may arise.
