Finance 27
Finance 27 is a Pretoria-based, NCR-registered online lender offering same-day short-term and payday loans of R1,000–R7,200 to employed South African citizens, with 61–65 day repayment terms and a capped 38% APR.
- Company typePrivate
- Founded2010
- HeadquartersPretoria, South Africa
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Finance 27 does
Finance 27 is a South Africa-based online short-term lender, registered with the National Credit Regulator under NCRCP7084, that provides same-day personal and payday loans to employed South African citizens. The company targets adults aged 18+ who receive a regular salary into a bank account and need quick, small-amount financing to bridge temporary cash-flow gaps or cover unexpected expenses such as medical bills, car repairs, or emergency living costs. Loan amounts range from R1,000 to R7,200 with repayment periods of 61 to 65 days, a maximum APR of 38%, and an illustrative cost on a R5,000 loan of R74 in interest and R868 in fees.
The platform is fully digital and self-service, available 24/7. Applications are initiated through an online loan calculator that provides instant eligibility checks using the applicant's South African ID number and delivers no-obligation quotes before commitment. Underlying technology components include TruID for secure bank account linking and verification, an automated credit and affordability assessment engine, SSL-encrypted data transmission, and integration with DebiCheck, South Africa's debit order verification system, which automates repayment collection on pay dates. The company operates as a direct-to-consumer lender with no physical branches, distributing through its website, organic search, and a financial-literacy blog; all loan proceeds are paid electronically into the borrower's bank account.
Finance 27 generates revenue entirely from interest and fees charged on individual, one-time short-term loans (no revolving credit or credit facilities are offered). Pricing is calculated on a daily basis in line with National Credit Regulator stipulations, with all rates disclosed upfront before commitment. The business is privately held, has 11–50 employees, and is headquartered in Pretoria (012 area code). The company states it has served hundreds of thousands of clients across South Africa and is POPI-aligned, with a formal data-information request manual published in July 2021.
Finance 27 firmographics
Firmographics- Name
- Finance 27
- Legal name
- Finance 27
- Website
- https://finance27.co.za
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finance 27 is a Pretoria-based, NCR-registered online lender offering same-day short-term and payday loans of R1,000–R7,200 to employed South African citizens, with 61–65 day repayment terms and a capped 38% APR.
- Ownership category
- akta.pro rank
Finance 27 industry classification
Industry- Product category
- Short-term Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
- akta.pro secondary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Finance 27 is headquartered
LocationHeadquarters
- HQ city
- Pretoria
- HQ country
- South Africa
- HQ region
- Africa
Offices1 record
Markets served
Finance 27 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Short-term Loan Interest and Fees: Finance 27 generates revenue through interest charges and service fees on short-term loans. Loans range from R1,000 to R7,200 with repayment periods of 61-65 days. The maximum APR is 38%. Example: Based on R5,000 borrowed, total repayment is approximately R5,942 comprising R74 interest and R868 fees. Each loan is a separate, one-time transaction with no revolving credit facility.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Short-term loans from R1,000 to R7,200 with repayment periods of 61-65 days |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Finance 27 product offering
Product offeringCore offering
Finance 27 is an online short-term personal loan provider based in Pretoria, South Africa. It lends to individual consumers in amounts ranging from R1,000 to R7,200, with repayment terms of 61 to 65 days, and charges a maximum APR of 38%. The company operates as a registered credit provider under the National Credit Regulator (NCRCP7084).
Product overview
Finance 27 is a short-term lender offering same-day personal loans to South African citizens. The core product is short-term loans (including payday loans) ranging from R 1,000 to R 7,200 with repayment periods of 61-65 days. The company provides an online platform with a loan calculator tool for real-time quote generation, instant credit checks, and DebiCheck repayment options. Loans are funded on the same day of approval with a maximum APR of 38%.
Differentiator
Problem solved
Functional benefit
Products and services
- Short-term Personal Loan An online short-term personal loan product for South African individual consumers needing quick, small-amount credit between pay cycles. Loans range from R1,000 to R7,200, are repayable over 61 to 65 days, and carry a capped maximum APR of 38%.
Quantifiable outcome
- Loan approval within 24 hours
- +2 more outcomes
Companies that use Finance 27
Customer profileSegments2 records
Ideal customer profiles1 record
Finance 27 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
Finance 27 partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights4 records
Finance 27 competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Finance 27 social profiles
Digital presenceFinance 27 compliance and trust
Trust signalCompliance2 records
Finance 27 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finance 27 leadership team
Management profileNumber of profiles
Profiles1 record
Finance 27 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finance 27 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finance 27
What does Finance 27 do?
Finance 27 is an online short-term personal loan provider based in Pretoria, South Africa. It lends to individual consumers in amounts ranging from R1,000 to R7,200, with repayment terms of 61 to 65 days, and charges a maximum APR of 38%. The company operates as a registered credit provider under the National Credit Regulator (NCRCP7084).
Is Finance 27 a public or private company?
Finance 27 is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finance 27 founded?
Finance 27 was founded in 2010. It employs 11 to 50 people.
Where is Finance 27 based?
Finance 27 is headquartered in Pretoria, South Africa, in the Africa region.
How does Finance 27 make money?
One revenue line is on record: short-term Loan Interest and Fees.
Does Finance 27 have an API?
No public API is recorded for Finance 27.
What industry is Finance 27 in?
Finance 27's product category is Short-term Consumer Lending. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday), with a secondary code of FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured). Its NAICS code is 522 and its SIC code is 6141.