info@makokofinance.co.za 079 918 7606

Loan Products & Requirements

We do a full credit check and affordability assessment. We confirm your employment before disbursing any funds — protecting both you and us.

🛡 Registered with the National Credit Regulator  ·  NCR no. NCRCP 4053  ·  All loans subject to affordability and credit checks

How We Assess Your Application

1

Credit Check

We run a full credit bureau check to assess your current credit standing and history.

2

Employment Verification

We contact your employer directly to confirm your employment status and salary details.

3

Affordability Check

We calculate your disposable income to ensure monthly repayments are within your means.

4

Disbursement

Approved funds are transferred directly into your bank account — fast and securely.

What You Need to Apply

Please ensure you have all required documents ready before visiting a branch to speed up your application.

General Requirements
South African ID Book or Smart ID Card
Latest Payslip (not older than 1 month)
3 Months Bank Statements (stamped)
Proof of Residence (not older than 3 months)
Bank Card (for verification)
Non-Qualifying Clients
Blacklisted clients (written-off accounts)
Clients currently under Debt Review
Clients currently under Administration
Clients with an insufficient affordability score

We are required by the National Credit Act to decline applications where granting credit would lead to over-indebtedness. This protects you from unmanageable debt.

Short-Term Personal Loans

We specialise in short-term micro-lending for formally employed individuals. Our loans are designed to provide fast financial relief while keeping repayments manageable.

  • Loan amounts based on salary and affordability assessment
  • Flexible short-term repayment options
  • Salary-deduction repayment for convenience
  • NCR compliant — plain-language contracts
NCR Registered NCRCP 4053

Supporting Entrepreneurs & Employees

We aim to develop self-sustainable entrepreneurs who can make a contribution to the economy of the Sekhukhune District — ultimately the country — and to become fully-fledged, legally complying, economically sustainable SMEs.

Visit a Branch

Meet All the Requirements?

Visit your nearest Makoko Finance branch with your documents and we'll walk you through the application on the spot.