Marquis Finance
Finance · 209 reviews
#22
Rank
5.6/10
Our Score
Pros & Cons
Advantages
- ✓ Loan terms up to 180 days give you more flexibility than typical 30-day payday lenders
- ✓ Loan amounts start from just R500, which is useful if you only need a small top-up
- ✓ 35% per annum is on the lower end compared to many short-term lenders who charge significantly more
- ✓ Loans available from as short as 1 day, which suits very short-term cash flow gaps
Disadvantages
- ✗ Trust score of 3.4 out of 10 based on customer reviews we collected is genuinely low and hard to ignore
- ✗ Ranked 22nd out of 37 lenders, meaning most alternatives we've reviewed perform better
- ✗ No first loan free promotion, so you pay interest from the very first rand you borrow
- ✗ No website listed, which makes it difficult to research the product or apply independently
- ✗ Limited transparency about fees and the full cost of credit upfront
About Marquis Finance
If you need a few thousand rand to cover an unexpected bill and you've started googling short-term lenders, Marquis Finance is one of the names that might come up. They offer loans from R500 to R9,000, with terms stretching anywhere from a single day to 180 days. That range is actually broader than a lot of competitors in this space.
But here's the thing. A low score from us and a trust score of just 3.4 out of 10, based on the customer reviews we collected, tells a story worth reading before you commit to anything. There's no first loan free deal here either, so the 35% annual interest rate applies from day one.
We gave Marquis Finance 5.6 out of 10, placing them at number 22 out of 37 lenders we analysed. They're not the worst option, but they're far from the best. There are better-rated lenders available.
How Does Marquis Finance Work?
1. Submit an application with your personal details, income information, and banking details. Marquis Finance will do an affordability assessment as required under the NCA.
2. They review your application and run a credit check. This typically happens within a few hours on business days.
3. If approved, you'll receive a loan agreement outlining the repayment amount, term, and total cost. Read it carefully before signing.
4. Once you sign and return the agreement, funds are transferred to your bank account. Payout speed varies, but same-day transfers are possible for applications processed early in the day.
5. Repayments are usually collected via debit order on your agreed dates over a term you and the lender agree on, up to 180 days.
Requirements
- Must be 18 years or older with a valid South African ID document
- Proof of a regular income, whether salaried or self-employed
- 3 months of consecutive bank statements showing salary deposits
- An active South African bank account in your own name
- A working contact number and email address
- Proof of residence not older than 3 months, such as a utility bill or lease agreement
- Must pass an affordability assessment in line with NCA requirements
Who Is Marquis Finance Best For?
Marquis Finance is aimed at people who need a relatively small amount quickly, somewhere between R500 and R9,000, and who have a steady income to support repayments. It could suit a salaried employee facing an unexpected expense mid-month. That said, given the low trust score from customer reviews we collected, cautious borrowers who have other options should probably explore those first.
Is Marquis Finance Safe & Legit?
Any registered credit provider in South Africa must be listed with the National Credit Regulator and operate within the rules of the National Credit Act. We'd encourage you to verify Marquis Finance's NCR registration directly on the NCR's website before you apply. Under the NCA, you have the right to a pre-agreement statement, a cooling-off period in some cases, and access to debt counselling if you find yourself in financial difficulty. Those rights exist regardless of which registered lender you use.
Registered Credit Provider (NCR)
Our Full Review
Let's start with the rate. At 35% per annum, Marquis Finance is actually charging less than many short-term lenders in South Africa, where rates can legally go much higher depending on the loan type. On a loan of R5,000 over 90 days at 35% annually, you'd pay roughly R430 in interest, bringing your total repayment to around R5,430 before any initiation or service fees are added. Those fees, if applied, can push the real cost higher, so always ask for the full cost of credit before you sign.
So is it a decent deal on paper? The rate itself, yes. But the rest of the picture is murkier.
The trust score of 3.4 out of 10, based on 186 customer reviews we collected, is the part that should give you pause. That's not a minor dip in satisfaction. It suggests a pattern of complaints, whether that's around communication, unexpected deductions, or the application process. We don't have a website to point you to for more information, which is itself a red flag for transparency.
The flexible loan term is a genuine plus. Being able to borrow for as little as one day or stretch repayments to 180 days gives you options that a standard 30-day payday loan doesn't. And the minimum loan of R500 means you're not forced to borrow more than you actually need.
But ranking 22nd out of 37 lenders we've reviewed puts Marquis Finance in the bottom half of the market. There are better-rated, more transparent lenders offering similar amounts and rates.
Our verdict: if you've exhausted other options and Marquis Finance is what's available to you, the rate won't cripple you. But go in with your eyes open, ask for a full breakdown of every fee before you agree to anything, and know your rights under the NCA.
User Reviews (209)
Average rating: 1.8/5
Shocking Service from Marquis Finance
I closed my account with Marquis Finance in April 2025 and they called me on the 24th of February 2026 and said that I did not pay an instalment for a month as they claimed that I received the wrong amount on my settlement letter. I spoke to the consultant to let them know that the settlement letter was correct with the correct that and they said they will take this up with their manager, it’s the 14th of March 2026 sending countless messages to the consultant and info at Marquis and nobody is helping me after sending countless emails even to the complaints email. This is shocking and unacceptable behaviour from a company, I am beyond shocked that this is how you treat a customer who has closed their account and received paid up letters multiple times. I am shocked at the lack of professionalism from Marquis Finance.
Marquis Finance Shocking Service
Multiple phone calls, multiple emails and even after receiving a notification that a caravans registration papers request has been processed and I will receive the natis in 3-10 days I have got nothing. More phone calls and still no joy. Portia Teffu (natis control consultant) has no idea of customer service, simply does not respond to emails. Easily the worst service from a financial institution I have ever received. Absolutely shocking. How in the world Marquis does business like this is beyond me. Stay away people, stay far away.
Service from Marquis Finance
I have a fehicle financed by Marquis Finance. December 2025 they informed that due to the holidays the will do the debit order earlier and not at the end of the month as usual. We agreed and it happened as discussed. End of January and February 2026 debit orders went through as normal. The second of March 2026 they processed another debit order because according to them there was no payment at the end of December. We send all the bank statrments and proof that it was paid. Apparently they forgot that they made arrangements for the earlier deductions. Almost 2 weeks later they still haven't paid the money back. Ignoring emails and no correspondence from them. They said the money would be paid back within 2 to 3 business days and we are still waiting. When we phone them the excuse is that they still waiting for the reconciliation department to send them the reconciled account. It is pathetic service. Be carefull who you use for fehicle finance. I would surely not recomend them or use them ever again
Kgotso service
Thank you kgotso for your awesome assistance,I was always told to speak to the collection people but you who never get back to me,but you assisted me in minutes. You are a star!
Original Natis documents never received even after paying for the documents to be delivered
I would like to share my frustration on the terrible service received from Marquis Finance on the delivery of my original natis documents. My vehicle has been pain off and process to acquire my vehicles natis docs has been unpleasant. Up to now I have not received my documentation after being a month of having settled I am worried as these are important documents and should they fall into the wrong hands it places my vehicle in danger of being ****** Please help as I am highly concerned
Complaint Regarding Inconsistent Assistance With Vehicle Finance
Dear Marquis Finance, I would like to formally express my frustration regarding the inconsistent service I recently received when contacting your office about vehicle finance. I currently have an active vehicle finance agreement with Marquis and have always ensured that my account is managed responsibly. Because of this, I contacted your office to enquire about financing another vehicle. During my call, I was informed by the consultant that Marquis cannot assist me directly and that I would need to go through a dealership, who must submit the finance application on my behalf. I explained that the dealership I am working with (Toyota) does not want to use Marquis and prefers to work with the larger banks. I prefer Marquis because the service in general is very good. Unfortunately, the consultant simply responded that there was nothing she could do to assist. What makes this situation even more confusing is that when my husband recently contacted Marquis to request a settlement figure on his account, the consultant assisting him asked whether she could help him arrange finance for a new vehicle. This clearly indicates that Marquis does offer direct assistance for new finance in some cases. Because of this, I am struggling to understand why I was told that Marquis cannot assist me directly and that everything must go through a dealer. As an existing client, I expected clearer information and better assistance. The conflicting information from your staff is frustrating and leaves me uncertain about your policies and processes. I would appreciate clarification on the following: Does Marquis Finance offer vehicle finance directly to existing clients without a dealership application? If so, why was I told this was not possible? If not, why was my husband offered assistance with arranging new finance directly? I would appreciate a clear explanation of your policy and a response to this matter.
PAYMENT AGREEMENT
I would like to thank Sipho Makhubu for his excellent service and patience. Man you deserve your followers because your customer service was very excellent.Please continue with your good work.
From bad to worse.
Customer portal pretty much useless if your customer don't have a profile. I was reluctant to accept finance through Marquis finance again because of previous incompetence and negative experience, I should have gone with my gut. Nothing has changed. Still the same.
Unhappy customer
I have financed the car with Marquis finance now when I want to settle the account they add 30k saying is a fine for settling the account before last day of my contract, so is it fair to be punished for paying off the contract before last day. It means that as customers we are forced to stay paying every month by force until the contract lapse. And settlement means I pay whatever I owe you and you can not charge me extra for closing my account. It is as bad as ****ming customers, moreover you can not get hold of them on call for settlement.
Excellent service khotso
Called 2 weeks ago for a border letter and was assisted by khotso,such a kind lady who is very patient, I had the pleasure to be assisted by her again today and I just had to rate her services because she is so knowledgeable and took her time to explain what the process is for making extra payments...I wish I could deal with her everytime
I had a pleasant experience dealing with them
I had a pleasant experience dealing with them. They financed a vehicle of my dreams for me
I do not recommend.
Having experienced different Financial institutions as I have several properties and cars financed, I hope to never be forced into using Marquis ever again. I had no choice as they were affiliated to the Car Dealership - Debit order dates was a battle to set correctly - Cross border Letter - not valid and had the border authorities even say that they repeatedly have problems specifically with Marquis Finance. Specifically. They had to call them to allow me to continue on my holiday as the provided letter was not sufficient. - I have been trying to settle my account just be rid of them, and they have, what seems to be, intentionally avoiding assisting me with for over a month... I know that no financial institution wants anyone to settle as they lose out on interest but this feels like they're intentionally not helping me settle. - very poor customer service - I will say their portal has definitely improved in an effort to drive self-service but it is proportionally inverse to their other communication.
Word of Gratitude
To be quite honest i am very happy with the service i have been receiving. I now have 2x accounts with MQ Finance. Online Platform have been marvellous and easy to use, all lumpsums i have been paying reflected successfully and monthly instalments lowered as anticipated. THANK YOU
Don't Make Use Of Marquis Finance
I have a debit order set up since October 2025 for the 5th of each month. So, my debit order went of every month like it should, and no problems were ever encountered. On 5/02/2026 the debit order goes off as it should with no hassels. On 06/02/2026 @ 13H30 Nation Wide Recoveries contacts me stating I have a outstanding balance for the debit order of 05/02/2026. Now the way I understand the banking ways; the debit order goes off, then the funds with ref nr for that debit order goes to the finance company and they allocate to your account. May take 2-5 days. So Marquis Finance will hand you over to a debt collecting company the following day if the debit order is not in their bank account. Once your account lands on a debt collecting companies desk your good credit score is shot as this is now being recorded as a missed payment even if you didn't miss the payment.
Extremely Poor Service, Ongoing ******** Debits, Zero Accountability
Marquis Finance has been one of the most frustrating companies I have ever had to deal with. My BMW GS 1200 (2018 model) was ****** in October 2025. The insurance company paid out in full, settling the entire outstanding balance on the finance account. The account should have been closed, end of story. However, in January 2026, I discovered that Marquis Finance was still debiting my bank account for thousands of rands, and the account was somehow still active on their system. I contacted them and explained everything. Communication was already painful because they refuse to speak to you properly, everything must go through their so-called “portal”, which is slow, unfriendly, and completely inadequate for resolving real problems. Their explanation was that the insurance settlement was “not allocated correctly” because the insurer didn’t follow their reference number requirements. That may be their internal rule, but it is not my problem... the account was settled in full. I was promised a refund and that the account would be corrected. On 21 January 2026, they refunded only one single debit order. Then in February 2026, they continued debiting my account again, as if nothing had been resolved. This forced me to once again waste over two hours of my time, logging into their terrible system, submitting disputes, uploading documents, and re-explaining a situation that should have been resolved 3 to 4 months ago. Based on this experience, I fully expect March to be exactly the same. This company: 1. Has no real customer service 2. Hides behind a broken portal 3. Makes their internal admin failures the customer’s problem 4. Continues to debit accounts ********ly 5. Shows zero urgency or accountability Marquis Finance is excellent at one thing only: taking money. Everything else — service, systems, support, and communication is shockingly poor. I would strongly caution anyone considering finance through this company. Furthermore...this is the very first time that I felt compelled to go through all the trouble of setting up a hellopeter review for bad service.
Debit orders are a mess
So i asked them to change ny debit order date from the 25th of each month to the 1st of each month. Well that took some time to get done. Here is what happend so the 26th of January the debit order went off on my account 2 February again went off so how the hell can that be ? Same debit order within a week
Marquis Finance
I have no words for MQ finance except stay far away and dont use them
Useless service from Marquis
The service at Marquis is just ridiculous. I requested for my banking details to be changed early last year, a simple request that was never processed. I have been having to make direct deposits to them every month which is just an inconvenience. In December they managed to debit from the correct account, however, this month by some mystery they all of a sudden cannot. I called them on Monday to find out what the problem was, they told me my banking details have not been updated and they don’t know why because they have received my bank confirmation letter. The agent promised me that they have update the banking details and that I would get a mandate to my new bank in the next couple of days, tell me why today I’m getting a mandate from the old bank that I no longer use??
Useless app.
The most frustrating and dumbest app ever. Doesn't allow you to log in with the correct credentials and doesn't allow you to find/ recover the username (even though I have the correct details) or recover passwords. All the app does is bounce you arrond in circles to recover the user name and password.Very frustrating app. When you get into the app you can immediately see it's a D grade quality enrty level cheap app. Their app is ****.
Excellent Customer Service Experience by Shavohn Crofford
Customer service was outstanding today—kind, helpful, and efficient. Shavohn Crofford assisted me with changing my debit order date, and the instructions were clear and easy to follow. Thank you once again for the excellent service.
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Contact Marquis Finance
Website: http://www.mqf.co.za
Marquis Finance is a vehicle finance provider, established in 2019 to bring real value to the motor dealer and through them to their clients. We support customers by giving them another alternative! Technology-driven, low-touch efficiency is our aim!
Frequently Asked Questions
How much can I borrow from Marquis Finance?
You can borrow between R500 and R9,000. The amount you're approved for will depend on your income and the affordability assessment they're required to carry out under the National Credit Act.
What interest rate does Marquis Finance charge?
Marquis Finance charges 35% per annum. That's actually lower than many short-term lenders in South Africa, though you should still ask for the total cost of credit including any initiation and monthly service fees, because those add to what you actually pay back.
How fast does Marquis Finance pay out?
Same-day payout is possible if your application is processed early in the business day and everything is in order. Applications submitted late in the day or with missing documents will likely be processed the next business day.
Is Marquis Finance registered with the NCR?
We'd encourage you to check directly on the NCR's public register at ncr.org.za before you apply. Any legal credit provider in South Africa must be registered, and that register is publicly searchable.
Can I get a Marquis Finance loan with bad credit?
Possibly. Short-term lenders often have more flexibility than banks when it comes to credit history. But they're still required by the NCA to assess affordability, so a very poor credit record or no income to support repayments will likely result in a declined application.
What documents do I need?
You'll typically need your South African ID, 3 months of bank statements, proof of income, proof of residence not older than 3 months, and your banking details. Having these ready speeds things up considerably.