Let’s answer your questions.

New Customers

What do I need to apply for a loan?

Fin Online Loans is powered by Commonwealth Finance South Africa, an online lender and registered credit provider and therefore you are required to register an account via our website (www.client.fin-connect.net), 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.

How do I know my information is safe and secure?

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.

How do I check the status of my loan?

You can access your profile on the website (www.client.fin-connect.net) to determine the status of your account.

What pay out options do you have?

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

Existing Customer

When do you debit my account?

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.

What happens if I don’t pay back my loan?

In the event you fail to make payment, the full balance due under the loan agreement together with any arrears interest and all other charges and expenses owed shall become immediately due and payable to Fin, and without giving any notice to you as the borrower or affecting any of 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 Fin, we always strive to assist our clients by means of arrangement.

You can contact Fin on 0861 000 808 or email us directly at [email protected] to make the necessary repayment arrangements.

How do I get my loan balance and next pay date?

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].

I have applied but am not getting an OTP pin. What can I do?

Click resend, if you still don’t receive an OTP, please contact the Fin Online Loans Contact Centre on 0861 000 808  for assistance.

Where can I send proof of payment?

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

How do I reset my password?

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 0861 00 808 for one of our customer care consultants to assist you in reactivating your account.

Credit Life

What is Credit Life?

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.

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.

How do I claim?

All claims must be communicated and submitted to Fin Cover, 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 calling us on 0861 000 808