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Protea Glen · Soweto · South Africa

Financial support when life cannot wait.

Family First Finance provides transparent, responsible short-term loan solutions for individuals and small businesses in South Africa.

  • Responsible lending
  • Transparent terms
  • Local support
  • Affordability assessment required
A small business owner standing in her shop in Soweto

See an estimate before you apply.

No sign-up, no obligation. Adjust the amount and term to understand what a repayment could look like, then decide whether to continue.

Estimate your repayment

Move the sliders to see an indicative repayment in South African Rand.

R 5 000
R 500R 5 000
1 month

Estimated monthly repayment

R 5 000

Estimated total repayment

R 5 000

Interest and fees have not been set up yet, so this shows the capital amount only. The business owner can add the approved rates and fees under admin settings, and this calculator will use them immediately.

This is an estimate only. Final terms are subject to assessment, verification, affordability and approval.

Loan solutions built around real life.

Express Loans

People facing an urgent, unexpected expense who need a fast, small-value decision.

Typical uses

  • · Emergency repairs
  • · Medical costs
  • · Unexpected travel
  • · Short-term cash-flow gaps

Key benefits

  • Short application, assessed quickly
  • Clear repayment amount before you accept
  • Support by phone or WhatsApp

Borrow only what you can comfortably repay. Approval is subject to affordability assessment and our lending criteria.

Personal Loans

Employed or self-employed individuals planning a specific personal expense.

Typical uses

  • · School fees
  • · Home improvement
  • · Utilities and bills
  • · Family responsibilities

Key benefits

  • Repayment terms matched to your pay cycle
  • Affordability assessed before any offer
  • One point of contact throughout

Borrow only what you can comfortably repay. Approval is subject to affordability assessment and our lending criteria.

Business Loans

Small business owners and traders who need working capital for a defined purpose.

Typical uses

  • · Stock purchases
  • · Equipment
  • · Seasonal demand
  • · Supplier payments

Key benefits

  • We review real business cash flow
  • Practical, human assessment
  • Guidance on required documents

Borrow only what you can comfortably repay. Approval is subject to affordability assessment and our lending criteria.

How it works

  1. Step 1

    Complete the application

    Seven short steps you can finish on your phone in a few minutes.

  2. Step 2

    Submit supporting information

    Upload your identity document, proof of address, proof of income and bank statement.

  3. Step 3

    We review affordability and documents

    A real person checks your information and confirms what you can comfortably repay.

  4. Step 4

    Receive a decision and next steps

    We contact you with the outcome and explain exactly what happens next.

Why people choose Family First Finance

Local South African support

We are based in Protea Glen, Soweto and answer the phone.

Simple application process

One clear form, plain language, no jargon.

Transparent communication

You will always know your application status and what is needed.

Responsible lending

We assess affordability before we make any offer.

Personalised service

One point of contact who knows your file.

Clear costs

Any fees or interest that apply are explained before you accept anything.

Borrowing responsibly

Loan approval is never guaranteed. Every application is subject to verification, an affordability assessment and our lending criteria. Terms and conditions apply. Late or missed payments may lead to additional costs and may affect your credit profile.

  • · Loan approval is not guaranteed.
  • · Every application is subject to an affordability assessment.
  • · Terms and conditions apply to every agreement.
  • · Late payments may lead to additional costs and affect your credit profile.

If you are struggling with debt, you can contact a registered debt counsellor or the National Credit Regulator for free guidance.

Read our responsible lending approach

What customers could say

These are clearly-labelled placeholders. Real, consented customer feedback can be added by the business owner and will replace them.

Placeholder – not a real review
Example placeholder text. Once the business owner adds approved customer feedback, it will appear here with the customer’s permission.
Customer name, Suburb
Placeholder – not a real review
Example placeholder text. Once the business owner adds approved customer feedback, it will appear here with the customer’s permission.
Customer name, Suburb
Placeholder – not a real review
Example placeholder text. Once the business owner adds approved customer feedback, it will appear here with the customer’s permission.
Customer name, Suburb

Frequently asked questions

Speak to a real person.

We are based in Protea Glen, Soweto, Johannesburg, South Africa. Call, email or send a WhatsApp message and we will help you work out the right next step.

Business hours
Monday to Friday, 08:00 – 17:00

Prefer we call you?

Send a request and we will phone you back during business hours.

Request a CallbackView Loan Options

Let’s find the right next step for you.

Start your application today. It takes a few minutes, and there is no obligation to accept any offer.

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