Let’s answer your questions.

Fin Online Loans is powered by SmartAdvance, an online lender and registered credit provider and therefore you are required to register an account via our website (www.niftycredit.co.za), and complete all necessary steps to see what loan amount is offered to you. As per the National Credit Amendment Act of 2015, we require a 3 months bank statement to be uploaded as well as a copy of your ID to verify your income and identity.

The following are also required:
You should be permanently employed for at least 3 months.
You should not be placed under debt review, administration or sequestration.
You need an active bank account which is opened in your name and your salary is deposited monthly.

All information between you and the Fin Online Loans website is encrypted and secure and will not be shared with any third parties unless you give your consent.

You can access your profile on the website (www.niftycredit.co.za) to determine the status of your account. Or, SMS the shortcode “status” to 34103.

We will deposit your loan into your registered bank account only.

We have made it simple to contact the right department the first time:

Call us on: 012 045 0392
For general enquiries: [email protected]
For documentation: [email protected]
For arrears and arrangement enquiries: [email protected]
For customer service enquires: [email protected]

Settlement quotations can be obtained via our website (www.niftycredit.co.za) when you log on to your loan profile or you may SMS the shortcode “settle” to 34103 and the required information will be sent to you via SMS.

Settlement payment can be done via EFT (banking details below) or a settlement debit order can be loaded on your profile. Alternatively, you may contact our Customer Service Division on 012 045 0392 or [email protected] for any assistance in this regard.

You can also do a direct transfer to:

• Bank: FNB
• Name: SmartAdvance
• Account Number: 62395429212
• Branch: 250655

Decide on the amount you would like to pay, and use your Loan Ref ID as your payment reference.

Or you can use:

Download the SnapScan mobile app from the app store

Link your bank account by scanning your bank card

Scan the QR code displayed to the left

Insert the amount you would like to pay

Insert your Loan Ref ID as your payment reference

Click pay and you’re done! It’s that easy!

For more information on SnapScan visit www.snapscan.co.za

Repayments will be made monthly via direct debit order on the specified date chosen by you on the application, this will be the same date on which you receive your salary.

In the event you fail to make payment, the full balance due under the loan agreement together with any penalty interest and all other charges and expenses owed shall become immediately due and payable to NiftyCredit by Fin, and without giving any notice to you as the borrower or affecting any of the NiftyCredit by Fin rights under this agreement;

In addition – your profile on the website will be suspended and this information will have a negative impact on your credit bureau profile. At NiftyCredit by Fin, we always strive to assist our clients by means of arrangement.

You can contact NiftyCredit by Fin on 012 045 0392 or email us directly at [email protected] to make the necessary repayment arrangements.

Balance enquiries can be obtained via our website when you log on to your loan profile or you can SMS the shortcode “balance” to 34103. Alternatively, you can also contact our Customer Service team at [email protected].

Click resend, if you still don’t receive an OTP, please contact the Fin Online Loans Contact Centre on 012 045 0392 for assistance.

Proof of payment can be sent to [email protected] Please remember to include your ID number and “Proof of Payment” in the subject line.

To reset your password, visit the login page and click “Forgot Password?” Enter the email address that you used to register your account. You will be sent an email. Follow the link where you will be prompted to choose a new password.

Should you be having any difficulties, feel free to contact our customer care team at [email protected] or 012 045 0392 for one of our customer care consultants to assist you in reactivating your account.

To make it super convenient for you, we have a few simple ways to pay back your loan:

You could either make a direct transfer to:

• Bank: FNB
• Name: NiftyCredit
• Account Number: 62395429212
• Branch: 250655

Decide on the amount you would like to pay, and use your Loan Ref ID as your payment reference.

Or you can use:

Download the SnapScan mobile app from the app store

Link your bank account by scanning your bank card

Scan the QR code displayed to the left

Insert the amount you would like to pay

Insert your Loan Ref ID as your payment reference

Click pay and you’re done! It’s that easy!

For more information on SnapScan visit www.snapscan.co.za

It’s a policy that is linked to a Credit Agreement or loan that will cover your debt in the event of death, permanent disability, temporary disability or retrenchment. It will payout to the credit provider, and either pay the instalments for a specified time period or settle the total outstanding amount.

Benefits:
Death – If you die, we will settle your loan.
Permanent Total Disability / Temporary disability – During the period of insurance if you become disabled for a period of 30 or more consecutive days:
Permanent disability – We will pay the outstanding balance of your loan agreement when you become completely disabled.
Temporary disability – We will pay your monthly instalment for every 30 days you remain disabled OR a maximum of 12 monthly payments OR until the policy ends, whichever happens first.
Retrenchment – If you have this insurance and you are retrenched, we will pay a benefit equal to your monthly instalment, up to a maximum of 12 monthly payments, OR until you find new employment, whichever happens first.

All claims must be communicated and submitted to Niftycover (Pty) Ltd. As soon as possible and no later than 120 (one hundred and twenty) days after the insured event by contacting the scheme administrators on e-mail, [email protected] or by writing to them at:

• Box 39960
• Garsfontein East
• Pretoria, 0061
• 012 045 0604