Our Products

Single payment (30-day) loan

  • Designed for those unexpected situations, when immediate cash is the only solution.
  • Customers can borrow for up to 30 days
  • Convenient – short term loans are processed online in 24 hours
  • If required, loan extensions of up to 30 days are available and covered by an additional fee

Personal loans

Personal loans may be used at the discretion of the customer for anything they might require such as:
  • School fees
  • Emergency loans – funeral, medical, other bills
  • Household asset financing – cars, furniture
  • Agricultural loans – inputs
  • SME Loans – working capital, expansion, poultry, peanut butter, candle-making
  • Social functions – lobola, weddings, holiday loans
  • Home improvements – durawalls, pavements, extensions, boreholes, generators
  • Debt consolidation
Customers may borrow for up to 24 months Customers receive payment directly into their bank account and repay in regular instalments

Line of credit

For the peace of mind of having an approved credit limit available whenever it is needed.
  • New product launched in 2022
  • Customers apply for a limit of up to what they can afford
  • This is an open-ended credit line with flexible monthly repayments when they need the credit
  • Customers receive payment directly into their bank account

Approved Employer Loans

Pivot can provide corporate employees with a loan facility, based on an agreement between the employer and Pivot. This allows employers to solve employees’ problem off-balance sheet, and frees up the working capital of the company. It is at the discretion of the HR department of a company to monitor staff borrowings. There is no liability to the employer except to deduct repayments as per agreement. Loans are disbursed within 24 hours of approved application.