Welcome to

Royal Finance is a Short Term Credit Provider in South Africa, providing responsible and ethical loans to our Kings & Queens.

We strive to be a leading credit provider in SA, making use of great customer relationships and innovative technology to deliver an above-average value and service to our customers.

Our Loan Products include: Term Loans, Weekly & Fortnightly Loans, Payday Loans & Stepwise Home Loans (Developmental Housing Loans).

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Pay back in smaller installments.

When you need a bigger loan than you can repay in one installment, our short term loans of up to 6 months repayments might just be what you are looking for.  

These loans are especially suited for those bigger and unplanned expenses.

Have a look at our repayment installments to find your perfect loan by clicking on the button below.

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Borrow once, pay back all in one installment.

Sometimes you just need that little bit extra to get you through the month.  When your bank won't give you an overdraft, let us supply you with a 1 month pay-day loan. 

The advantage of this kind of loan is that you do not have to pay an installment every month. 


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Pay back all in one shot or in smaller installments.

It is one of our specialties to help weekly and fortnightly clients to find the perfect loan for them.

Some credit providers might reject you if you do not get paid on a monthly basis, but Royal Finance treat our weekly and fortnightly clients like Royalty!  

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Build your home in phases.

Step up your living circumstances with the new and affordable StepWise Home Loan where you can build your home step by step with every loan.

Build your home in phases, add a room or enhance your home with new fixtures or basic services like water, sanitation or electricity.


If you want to apply for a loan, you have 2 options:

APPLY ONLINE NOW if you want to apply through our website, following the easy step by step application process; or

ASK FOR A CALLBACK if you want a friendly Loan Officer to call you and help you through the application process.

Why choose Royal Finance?

This family-owned business has been trading for 27 years!

We truly care about our customers, and believe that debt should be given out ethically and responsibly.  To do this, we strictly adhere to Affordability Guidelines by the NCR and ensure that a client can afford to pay back a loan.  In doing this, we ensure that the client has enough monthly income to meet his/her obligations - which in turn leads to a longstanding good credit record, a happy family and a better South Africa.

To learn more about our products and find the one which fits your budget best, click on the button below.

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Want to know who you are dealing with?   

Communication leads to knowledge which leads to understanding and trust.  We want you to know us and our story so that you can have peace of mind when dealing with Royal Finance.