Our Products | Loans

Home Improvement Loans

These are loans paid directly to the Merchant to enable the applicant to build extend or improve your dream home.

Key benefits to the client

  • Personalised interest Rate
  • Quick Application Process
  • The borrower can use this loan to purchase building materials
  • The loan could be split between purchases and labour costs
  • We have agreements with various approved merchants

Product Features

  • Loans available from R 2500 up to R 50 000
  • Terms available from 3 months up to 36 months
  • Loan repayment: Monthly, Weekly and Fortnightly
  • Repayment: via NAEDO debit order or Payroll deduction

Where can I apply?


Benefits of partnering with Thuthukani:
  • Value added service to customers by offering in-store finance options
  • Will increase sales and revenue
  • Easy application process
  • Disbursements into your bank account
  • Support to your sales team / in store branding

How can I apply?

Download and Complete the Application Form & Forward to processing@tfsmail.co.za Or SMS “Loan Home” to 32010

Download Application Form Download Merchant List
Success Story

Mr Mr Malaka

Mr Mr Malaka, a 49 year old father, used his own savings to commence building a 9 roomed house for his family of five. He then took a loan of R30 000 in 2012 from Thuthukani Housing Finance and used this to put a roof on his new 9 roomed house. His second loan was for R21 000 in 2014 to finish his home. Mr Malaka is employed in the private sector as a machine operator earning a salary between R9 800 to R15 000 per month.

Fatama Ramogwerena Village in Eliasoaledi Local Municipality, Limpopo Province

Success Story

Miss Hilda Ndlovu

Miss Ndlovu is employed as a professional nurse earning a monthly income between R9 800 and R15 000 per month. She first borrowed R15 000 from our intermediary Thuthukani Housing Finance in 2013. This money was used to buy building material to start the project of extending her parents’ house in Motetema village as shown in the first photograph. In 2014, she took a second loan of R17 000 to finish up the house as depicted in the second picture. Miss Ndlovu is very happy that she has accomplished her dream of improving the quality of her parents’ house by extending it and changing the roof from corrugated iron to tiles. For her, this is the best gift she can give to her parents for all the support they have given her up to when she completed her studies and started working.

Motetema Village in Elias Motsoaledi Local Municipality, Limpopo Province

Our Products | Loans

Small Business Finance

Loans to help grow your business, this is one of our flagship products designed for people who have a small business and or are self-employed.

Key benefits to the client

  • Simple application process
  • Personalised assistance via our professional Business Development Officers
  • Affordable installments due to the flexible Repayment Term up to 36 months
  • Competitive Interest rates
  • Monies disbursed directly to the borrower

Product Features

  • Loans from R 5000 up to R 50 000
  • Repayments terms: from 6 to 36 months
  • Instalments can be paid: Monthly, Weekly, Bi Weekly

Required Documentation

  • Company registration Documentation (PTY)
  • Tax clearance Certificate (if applicable)
  • 6 months Financial statement
  • Latest 6 months Sales and Purchases Records
  • 6 Months Business bank account statement or
  • 6 Months personal Bank account statement
  • Documents validating assets that can be used as collateral

Where can I apply

Through which platforms can I apply for a small business finance loan?

  • Contact us on 012 804 1443
Success Story

Miss Virginia Khanyisile Kunene

In 2008 Miss Virginia Khanyisile Kunene lost her job. Thanks to Thuthukani Financial Services, she now runs her own tuck-shop.

Our Products | Insurance

Funeral Policy

Product Overview

  • Spare your family the additional expense and worries and give yourself peace of mind that you are covered.

Key benefits to the client

  • The cover allows you to add yourself as the main member, a spouse and 5 children.
  • You have the option to add an additional spouse.
  • You are able to add an additional 8 extended family members to your policy.
  • The cover pays out within 24 hours of having received all documentation.
  • Applicants must be South African Citizens.
  • Main member must be between the age of 18 and 64 at entry.

Product Features

  • Valid claims will be paid out within 48 hours of Thuthukani Insurance receiving all claim documents.
  • Cover for accidental death is immediate upon receipt of first premium.
  • Guaranteed acceptance to South African citizens or legal permanent residents between 18 and 75 years old.
  • No medical examination.

Required documentation

  • Completed application form.
  • Latest financial statement.
  • Copy of ID of: Main member, Spouse/partner, children, extended family members and beneficiary.

Funeral Policy | Product Features

FAMILY UNIT RATES | Cover detail
Main member, max 1 spouse, max 5 children
Max 1 additional spouse
Max age ate entry: 47

The policy is underwritten by Gaurdrisk
Our Products | Insurance

Credit Life

Product Overview

  • Your Credit Protection Insurance cover will alleviate your family’s financial burden if you are permanently disabled, retrenched or even in the event of your death.

Key benefits to the client

  • When you take out a Thuthukani loan, Credit Protection Insurance Cover is included.
  • In the case of retrenchment, death or disability the money still owed on the loan will be paid to Thuthukani by the insurance company.

Product Features

  • You get this cover when you enter into a valid finance agreement with Thuthukani.
  • You are covered from the moment you sign the policy — even if you have not paid a single premium yet..
  • Once your policy has started running, you must keep up your payments, otherwise you cannot receive your Credit Protection Insurance Cover benefits.

Required documentation

  • 3 months Financial statement.
  • Copy of pay slip.
  • Copy of ID.

Insurance products are offered by Indlu Finance. Indlu Finance is an authorised financial services provider (FSP nr 36058)