
7.0/10
Our Score
Rating Breakdown
225 reviews
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🛡️ Our Honest Take
Let's start with the rate, because that's usually what matters most. At 35% per annum, Mafori Finance is charging less than a lot of their direct competitors in the credit repair space, where rates of 60% per annum or higher are not unusual. On a loan of R5,000 over 90 days at 35% per annum, you'd be paying back roughly R5,438 in total interest for that period. That's not nothing, but it's not outrageous either when you compare it to what other short-term lenders charge borrowers with bad credit.
The loan range is modest. R500 to R9,000 covers emergencies, a busted appliance, a car repair, a utility bill you can't ignore. It's not for big purchases. And the term flexibility is genuinely useful, you can structure a 30-day repayment or stretch to 180 days depending on what your budget can handle. Shorter terms cost you less overall. Worth keeping that in mind.
So what do customers actually say? Based on the 193 reviews we collected, Mafori Finance scores 8.1 out of 10 on trust. That's higher than you'd expect for a lender in this segment. Complaints tend to focus on communication and the lack of an online presence. People don't love having to phone around with no website to reference. But where the product itself is concerned, most reviewers who got approved felt the process was handled fairly and without hidden surprises.
The no-website issue is real though. In 2026, not having an online presence creates friction. You can't check your balance, download a statement, or confirm rates without making contact directly. For younger borrowers used to doing everything on their phone, that's a genuine problem.
Is it worth applying? If you've been knocked back elsewhere because of a bad credit history and you need a small loan quickly, yes, Mafori Finance is a legitimate option with a reasonable rate and a better-than-average customer trust score. Just go in with your eyes open about the limited digital experience.
Latest Reviews (showing 40 of 225)
Mafori Finance ******
Hello Peter, Mafori Credit consultants in Pretoria sold me a **** housing subsidy application through a lady called Karabo.She never disclosed all the requirements needed for my application and now I am stuck with without requirements that I cannot find.They are busy deducting R416 rands on my account since from October 2025 buy now I have suspended the last transaction foe end of March 2026 administration fee.They are ****** and I want my admin fee back
Very Disappointed – ********* and Misleading Service
I am extremely disappointed with Mafori Finance and the way they handled my case. I was promised assistance with debt restructuring and was told that their Mafori lawyer would help remove my bad debt. They deducted money directly from the loan amount for these services. However, they never provided any of the assistance they promised. I paid for services that were never rendered. Despite sending multiple emails to complain and request clarity, no one has responded to me. It is very concerning that they ignore customer complaints, yet they have no problem calling me when they want to offer a top-up loan. To make matters worse, they claimed they had written off my university debt. When I informed the consultant that I have never attended university, she abruptly dropped the call on me. This was extremely unprofessional and unacceptable. I feel misled and taken advantage of. I would strongly caution anyone considering using Mafori Finance to be very careful and to fully understand what you are signing up for.
Loan penalties
Bad company ,don't ever think getting help by them ,they don't make you aware of the tcs and vs of the loan you taking,very unprofessional
Thank you
Thank you mafori team I recieved my clearance certificate, thanks for attending my application as soon you saw my reviews. Legal team and other team thank you so much
i would like to take...
i would like to take this moment to thank bernadine at Mafori finance, for her prompt response, when i am in need of financial assistance from her institution, she is always willing to go an extra mile and understand the clients frustration when it comes to financial aid, she makes a good asset to the institution and is made of a different fibre, she must be elevated to another level, in terms of salary and position in the institution in order to boost her confidence and to continue making an immense impact in the institution and it's clientele.
Appalling and Pathetic service that lacks empathy and the human element
Appalling service and based on my interactions, the agents dont seem to know their industry or job. I was reffered to Mafori by a colleague and really thought they could help, i was told that they would assist me with removing my debt review flag but was called by an agent who seemed to be an intern and clearly had no knowledge of what she was doing, after a few failed attempts i gave up all together. This was during the course of last year, numerous back and forths and no assistance. I got a call in December and said that the debt review flag was removed and that i qualified for a loan, after immense pressure from an agent i sent through docs, only to be told that i am still on debt review. Is there no internal communication? Are you guys not doing your homework before reaching out to clients? Are we just a number to Mafori or the means to put stats on the board??? Do you understand the type of turmoil you cause in peoples lives with false hope and promises? My suggestion, broaden your talent pool as the staff you have now do not possess the know how or people skills to be doing what they are. I really hope that this is seen by someone in a senior position as i have requested to speak to someone and this never happened.
Settlement letter
Expecting a call for someone to call me ,to settle my loan and get a letter ,still waiting .poor service. Send banking details asap people.
Clearence letter
I m done paying my debt, and I m done paying mafori long time ago I call them today requesting email to send paid up letter to get clearance letter a person you hold the phone mention someone will call until now no one call me back please I need My clearence letter
To maforis manager
To mafori finance manager.... I would like to tell u ...that u have a good worker ... Her name is Emily Mokgadi...yohhh she's a very nice person ...it feels like I met her in person bt no ...only thru the phne ...she's helping very good ...I'm from the northern cape ...in upington... My name is Rhonwen Nel... Give her a promotion...she deserves it ...liken seriously... Keep up the good work ...Emily Mokgadi... Hv a good day
Extremely Disappointed – No Support Despite Ongoing Deductions
I am deeply disappointed with the service I’ve received from Mafori Finance. Since May 2025, they have been deducting money from my payslip every month, yet they have failed to assist me with removing the judgment that is still pending against my name — which was the entire reason I approached them in the first place. To make matters worse, they continue to send me WhatsApp messages claiming I “qualify for a loan,” completely ignoring the fact that I reached out to them for debt management support, not to take on more credit. This experience has left me feeling misled and frustrated. I expected professional guidance and resolution, but instead I’ve received empty promises and ongoing deductions with no results. I do not recommend Mafori Finance to anyone seeking genuine financial help.
Disappointed customer
I am so disappointed with the poor level of service I've received from mafori finance. I've app**** with them to assist me with removing my name from credit bureau, that was in August still they have not contacted me but they're deducting from my payroll. Everytime I call them they keep on saying the legal dept will contact me for an update. I have never been this ****ed off in my life. Regards Wonke Mpemnyama
Treat customers right with honesty
There we go again... I have been receiving WhatsApp massages that i qualify for a top up loan Good Day, Ms. SILIMENI. You qualify for a Top-Up loan with Mafori Finance. If interested, please send your payslips for July, August & September. Email ( *********** ) or WhatsApp here. Since the beginning of August.... I am not even Ms Salimeni..... I played i was told that the Municipality paid only 4 months and i am supposed to 5 months to qualify. I leave it again i got call that i qualify for a top i tell them please make sure that the mucipality has paid.. No they paid 5 month... I call since Monday until now these no feetback.....
Loan
Tsakani helped me with kindness and thank you Good customer service
Credit report
Good service from Tsakane phalane I was checking my credit report .she explained to me very well .
Loan
I went to Mafori..I got a very good service with Tsakane Phalane..I'm happy with the service. Thank you so much
credit repair
Hi Hallo Peter i got assisted at Mafori credit repair ,Iam under debt review I want to be removed from this listing .Tsakane Phalane explained me very well excellent service i got
loan balance
Hi plss help me ave borrowed 5k from major and now they charged me extra 5k for updating my crefit score and it not updated ,they disclose this before i take a loan ,only after ibhv checked my status.
Loan
Helped by tsakane polokwane excellent service I got.she also assist me to take statement from tym bank.
Loan
I went to Mafori finance, Got assisted by Tsakane Phalane excellence service
Spedy procedd
They helped me check how much I owe Mafori and checked if i could apply for a shot tem loan and they helped me. i did not even spend a lot of time in the office.
Good service
Went to apply for FHF and they explained more and gave me more iformation about it. Thank you kroonstad branch.
Super
Good service proper way to speak to clients I was assisted by meltrat
Loan
Good service by Tsakane Phalane She assisted me to enquiry balance, and also with debreview process
loan
stakane Phahlane she helped me in a friendly way with financial loan
Mafori Tzaneen branch
Mafori finance Tzaneen branch assisted me to get a loan and with 24hours I did receive my money wow! What a great service big ups to them
Miss
Sister noks was soo good to me by helping me to apply the mafori housing
Credit repair, Tzaneen branch
Thanks Ntsako from Mafori Tzaneen branch for assisting me with credit repair.
Tzaneen branch
Thank you mafori tzaneen branch for assisting me with my credit profile, Good customer service.
Tzaneen Branch FHF
Thank you mafori tzaneen branch for assisting me with FHF application hoping for the best outcome.
Mafori credit repair Tzaneen branch
Thanks Mafori finance team Tzaneen for assisting me with loan I received my money within 24hours as promised.excellent service team keep it up.
Tzaneen branch
Thank you mafori tzaneen branch for assisting me with my credit profile explanation.
Quality service from Sister Shingange
I got a best experience on mafori finance because of sister ntsako shingange from mafori finance who helped me with professionalism
Tzaneen Mafori credit repair
Thank you Mafori credit repair Tzaneen branch for assisting me with cash advance and opening a Mafori one debit card I am very satisfied with the service I got from you guys as a team I will definitely use their services again.
Loan
I was assisted by Tsakane Phalane , a consultant in Polokwane Branch. she is always friendly and helpful. her service is excellent .
credit profile
I Adgirl Moyo i was at Mafori Finance to check my credit profile i am verry happy about service i receive and explanation by the consultant Constance.
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