Flexible

personal loans

tailored to your needs

Whether you're looking to consolidate debt, fund a major purchase, or manage unexpected expenses, we can guide you toward personal loans that offer competitive rates and simplify approvals.

Why choose Cinch Loans?

Personalised, expert guidance, or rapid self-service - you choose  

Hassle-free experience

Access competitive rates and loan structures from over 40 lenders, tailored to your needs and negotiated by our trusted experts

“You went above and beyond our expectations. It’s not just business transaction with you guys but we saw that you really genuinely care about the relationship, success and financial well being of your clients.”

Dolly Nyirenda

Frequently asked questions


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What is a personal loan?

A personal loan is an unsecured loan used for a variety of purposes such as debt consolidation, home improvements, or covering unexpected expenses.

Typically, repayment terms range from 1 to 7 years, with a fixed interest rate and payments made monthly, making budgeting easier.

Interest rates vary based on your credit score, loan amount, and repayment term.  

Book an appointment for expert guidance.

How much can I borrow?

The amount typically ranges from $2,000 to $100,000, depending on your credit score, income, and the lender's terms. Our team will assess your financial situation and help to determine the right amount for you.

How quickly can I get the funds?

Once approved, funds can be deposited into your account within 1-3 business days, making personal loans a fast solution for immediate financial needs. To get your loan now, click the personal loans button here: self-service personal loans.

Will applying for a personal loan affect my credit score?

Submitting a loan application results in a hard credit inquiry, which may temporarily impact your credit score. However, responsible repayment behaviour can improve your credit over time.

What can I use a personal loan for?

Personal loans are versatile and are typically used for: 

  • Debt consolidation
  • Home renovations
  • Medical expenses
  • weddings
  • Travel and holidays
  • Major purchases
What's the difference between secured and unsecured loans?
  • Unsecured Loan: No collateral required; relies on your creditworthiness
  • Secured Loan: Backed by an asset like a car or savings, often resulting in lower interest rates
How do I get started with my personal loan application?

Applying is simple. Just follow our self-service personal loans offering for instant access to a range of competitive options and get rapid results.