FinPug is a free information and loan-matching website. Instead of one offer, it shows you a selection of loans from partner lenders, from R500 up to R50 000, with repayment periods of 61 to 365 days. You pick the ones you like and apply directly on each lender’s website.
Its strongest selling point is the starter offer. FinPug highlights loans from 0.01% a day for new customers and publishes an example of R1 000 over 67 days repaid as exactly R1 000, with R0 in costs. Lenders featured include Primeloans, LendPlus, Jabulani Money and Crediwise.
Registration takes about two minutes, and FinPug suggests choosing several offers to improve your approval odds. Once you submit an application, the lender can pay out online within 15 to 30 minutes.
What does FinPug offer?
- Free service: FinPug charges nothing and never asks for card details or SMS codes
- Amounts from R500 to R50 000, terms from 61 to 365 days
- Low-cost first-loan offers from partner lenders, from 0.01% a day
- Published annual rate range: 0% to 36%
- Several offers side by side, so you can apply to more than one
What are FinPug’s loan terms?
| Type | Loan-matching service (connects you with lenders) |
|---|---|
| Amount | R 500 – R 50 000 The amount buttons on finpug.co.za run from R500 to R50 000. Each partner lender has its own limits. |
| Term | 61 to 365 days Minimum and maximum repayment period as stated on finpug.co.za. |
| First loan | Some partner lenders offer new customers loans from 0.01% a day; FinPug’s published example is R1 000 over 67 days with R0 in costs. |
| Published cost range | Annual interest rate from 0% to 36%, as published; it depends on the lender you choose |
| Age | Set by the partner lender |
| Cost of the service | Free: FinPug does not charge for its service and never asks for card details or SMS codes. |
How much does a loan through FinPug cost?
To compare it with other options, look at the total cost of credit and the full amount to repay. When a lender makes you an offer through FinPug, it must give you a pre-agreement quote with the interest rate, every fee and the total to repay before you sign. You can estimate the instalment with our loan calculator.
What do you need to apply with FinPug?
- FinPug does not publish its own list: each partner lender shows its requirements on its application form
- Have your SA ID, bank account details and proof of income ready, as South African lenders usually ask for them
- Age: Set by the partner lender
Credit record and blacklisting: FinPug does not publish a policy on credit checks. It says interest rates depend on the lender you choose and are set according to your circumstances and credit history.
How do you apply, step by step?
- Sign up on finpug.co.za; the registration form takes about 2 minutes
- Look through the offers FinPug shows you and pick several to improve your chances
- Fill in your details on the lender’s website
- If the lender approves you, the loan can be paid out online within 15 to 30 minutes of submitting the application
Who is FinPug a good fit for?
- You are borrowing for the first time and want to see low-cost starter offers
- You want to compare several lenders in one place
- You need a larger amount spread over up to a year
- You like to choose the lender yourself rather than be matched automatically
Before you sign, keep in mind
- FinPug does not lend: the lender you choose sets the rate, the fees and the term in its own agreement.
- Starter offers are usually for new customers; check the conditions in the lender’s quote before you sign.
- Eligibility rules, including age, are set by each lender on its own application form.
- Applying to several lenders means several credit enquiries; choose the offers that suit you best.
Who is behind FinPug?
| Company | Livornica AM LLC |
|---|---|
| Address | Movses Khorenaci St. 26A, 210, Republic of Armenia |
| Contact | info@finpug.com |
| Website | finpug.co.za |
FinCredit360 has no ownership link with Livornica AM LLC. We show these details so you know who you are dealing with; they come from the provider’s own website.
FinPug: frequently asked questions
Does FinPug give loans?
No. FinPug is an information and intermediary website operated by Livornica AM LLC. It shows offers from partner lenders, and you apply on the lender’s own website.
How much can I borrow through FinPug?
The amount buttons run from R500 to R50 000, with repayment periods of 61 to 365 days. Each lender sets its own limits.
Is there a free first loan?
Some partner lenders offer new customers loans from 0.01% a day. FinPug’s example: R1 000 over 67 days, R0 in costs, R1 000 to repay. The lender’s quote shows whether the offer applies to you.
What does a loan through FinPug cost?
Using FinPug is free. It publishes an annual interest rate range of 0% to 36%, which depends on the lender you choose and your circumstances.
How fast can I get the money?
FinPug says you can get a loan online within 15 to 30 minutes after submitting an application, once the lender approves it.
What are the alternatives to FinPug?
If you want to compare before deciding, these options cover similar needs. You will find all of them in our loan comparison.
Century (CreditZA)
Direct lender- Amount
- R 500 – R 8 000
- Term
- 5 days to 6 months
- First loan
- Standard cost
- Age
- 18 or older
A Cape Town direct lender: R500 to R8 000 from 5 days to 6 months, with every rate and fee published next to the calculator. Affiliate link · Century Financial Services (Pty) Ltd decides on approval after an affordability check.
Jabulani Money
Direct lender- Amount
- R 500 – R 4 000
- Term
- Matched to your payday
- First loan
- Standard cost
- Age
- 18 or older
A registered South African payday lender: R500 to R4 000, repaid on your salary date, with a decision in minutes. Affiliate link · Clearwave Innovations (Pty) Ltd, trading as Jabulani Money decides on approval after an affordability check.
Creditgenius
Loan-matching service- Amount
- R 500 – R 8 000
- Term
- 91 to 120 days
- First loan
- Standard cost
- Age
- 18 or older
A free loan finder: R500 to R8 000 over 91 to 120 days, with a published example and a public list of partner lenders. Affiliate link · Creditgenius does not lend: you sign the agreement with the lender you choose.
Sources
Affiliate links: if you apply through “See offer” or “Apply”, FinCredit360 may earn a commission from FinPug, at no cost to you. It does not change the facts we show. How we make money.