OUR SERVICES
We provide a range of loan products designed to fit your lifestyle, business, and goals:
SERVICES WE OFFER
Personal Loans
Innovation
Empowerment
Ethical Practices:
Ethical Practices:
325
Revenue in 2017 (Million)
525
Partners
302
amount borrowed
25
Year of experience
Personal Loans
Our personal loans are designed to provide quick financial relief for individuals facing unexpected expenses or looking to achieve personal goals. Whether it’s for education, medical costs, home improvement, or family needs, ZFS ensures you get the funds you need — fast and stress-free.
Loan Range: R500 – R8,000
Repayment: Flexible short-term repayment options.
BenefitsBest For: Individuals who need quick cash to cover urgent or short-term expenses.
- Fast approval and payout.
- Easy application process.
- No collateral required.
- Transparent, fixed interest rates.
- Ideal for clients with limited or no credit history.
Loan Range: Loan Range: R500 – R8,000
Repayment: Short-term (usually 1–3 months).
Benefits Employees, students, and individuals who need instant financial assistance for emergencies, bills, or travel expenses.
- Quick approval and instant payout.
- Minimal paperwork.
- No hidden charges or fees.
- Ideal for emergency situations.
Short-Term Loans
ZFS short-term loans offer fast, small-amount financial support for clients who need cash urgently and prefer quick repayment. These loans are simple, flexible, and transparent — designed to bridge short financial gaps.
Business Support Loans (Optional Expansion Service)
To help small and emerging enterprises thrive, ZFS also provides business support loans aimed at fueling growth, covering operational costs, or purchasing stock and equipment.
Loan Range: Based on business assessment.
Repayment: Structured monthly or quarterly terms.
Start-ups, small enterprises, and self-employed individuals seeking to expand or stabilize their operations.
- Affordable repayment structure.
- Encourages entrepreneurship.
- Helps stabilize cash flow and operations.
- Promotes small business sustainability.
The Team
Our Experts
Mike Rich
Lead Architect
Jenny Smith
Head Engineer (US)
George Doe
Head Engineer (CN)
Maria Jay
Head Engineer (AU)
Establishment
Finding of ZFS
Founded with the purpose of empowering people through finance, ZFS was created to bridge the gap between South Africans and reliable lending services — particularly for those who are often overlooked by traditional banks due to low or poor credit scores.
What we understand about you
We understand that financial challenges are not a sign of failure but a part of growth. Our goal is to provide fair and responsible financial support that helps our clients take control of their futures — whether it’s building a home, expanding a farm, or covering urgent personal needs.
Since our authorization by the Financial Conduct Authority on 26 June 2024, ZFS has positioned itself as a trusted name in the short-term loan sector. With a clear commitment to compliance, integrity, and customer satisfaction, we aim to redefine how lending is experienced in South Africa.
Trust and Worth
Our Business Clients
