About us
A helping hand you can count on
We're a registered, locally-run credit provider in Mbombela helping South Africans cover life's short-term needs — responsibly, transparently and with a personal touch.
Who we are
Short-term credit, done properly
T&C Financial Services provides short-term personal and payday loans, repaid over 1 to 6 months. Our office is at 50 Bester Street in Mbombela (Nelspruit), and our online application means clients anywhere in South Africa can apply from their phone.
Unexpected expenses happen to everyone — a car repair, school fees, a medical bill. We exist to help you bridge that gap quickly, without jargon, hidden costs or pressure to borrow more than you need.
What we stand for
Our commitments to you
Responsible lending
We assess every application for affordability, as the National Credit Act requires. If a loan would stretch your budget too far, we'll tell you.
Full transparency
You receive a pre-agreement quotation showing your interest, fees and instalment before you sign. No upfront fees, ever.
Speed without shortcuts
A clear decision within 24–48 hours once we have your documents, and funds paid straight into your account after signing.
Respect & privacy
Your information is handled in line with POPIA and used only to assess and manage your loan. We never sell your data.
Regulated & accountable
Registered with the National Credit Regulator
T&C Financial Services is a registered credit provider, registration number NCRCP22652. We operate under the National Credit Act 34 of 2005, the Consumer Protection Act and the Protection of Personal Information Act.
You can verify our registration with the National Credit Regulator on 0860 627 627 or at ncr.org.za.
NCR registration
NCRCP22652
Let's help you move forward
Apply online in about five minutes. We'll give you a decision within 24–48 hours.