Terms & Conditions
Last updated: June 2026
Agreement to terms
By accessing the Depfin Finance website, registering an account, or submitting a loan application, you agree to these Terms and Conditions. If you do not agree, please do not use our services.
Eligibility
- You must be at least 18 years of age and legally capable of entering into a binding agreement.
- You must provide accurate, complete information during registration and application.
- Loan approval is subject to affordability assessments, credit checks, and internal policy requirements.
- Applicants are generally required to be permanently employed for a minimum of three months, unless otherwise stated.
Loan products and calculator
Depfin Finance offers personal, business, mortgage, consolidation, and general loan products. Loan amounts, repayment terms, and methods of repayment are selected during the application process.
Online calculators and estimates are for illustration only and do not constitute a loan offer. Final terms are confirmed upon approval.
Unless otherwise agreed in writing, loans are calculated at a 6% interest rate as displayed on our application forms.
Application process
Submitting an application does not guarantee approval. We reserve the right to approve, decline, or request further documentation at our discretion.
You are responsible for ensuring that contact details and supporting information remain current. Confirmation emails may be sent after submission; please also check spam or junk folders.
Repayment
Approved loans must be repaid according to the agreed schedule and repayment method (for example debit order, direct deposit, or salary deduction where applicable).
Failure to meet repayment obligations may result in additional charges, collection action, or adverse credit reporting in line with applicable law.
Limitation of liability
Depfin Finance is not liable for indirect or consequential loss arising from use of this website, delays, technical errors, or circumstances beyond our reasonable control. Nothing in these terms limits rights you may have under applicable South African consumer protection law.
Changes
We may update these Terms and Conditions from time to time. The version published on this website applies at the time you use our services.
Contact
For questions about these terms, contact Depfin Finance via our contact page or telephone 087 510 7793.