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MARLINCREDIT

Bridging finance · South Africa

Your payout is coming. Your bills won't wait.

Take a loan against your pension, provident, retirement annuity, divorce, death-claim, disability or policy payout. Repaid once when your payout lands, early settlement accepted.

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  • NCR-registered · NCRCP327
  • Since 1999
  • No upfront fees, ever
  • Real people on WhatsApp

Free eligibility check · 30 seconds

See if bridging finance could work for you

1. Which payout are you waiting for?
2. Roughly how much is the payout?
3. Has the claim been submitted to the fund or insurer?

Free and no obligation. We never ask for upfront fees.

Waiting for a payout shouldn't mean putting your life on hold. Marlin bridges the gap, so money that's already yours can start helping you today.

Real situations

The money is on its way. Here's how the wait gets easier.

Payout processing…

Example situation

Apply here Pension & provident fund: how it works
lives changed
Over 50 000lives changed
clients a year
±2 000clients a year
of experience
26 yearsof experience
payouts
Same-daypayouts
Registered with the National Credit Regulator · NCRCP327Credit Association of South Africa (CASA): Marlin Credit is a certified memberCertified member of the Credit Association of South Africa

What we bridge

If a lump sum is coming, take a loan against it now.

Minimum expected payout R30 000. Loans from R2 000, based on about 10% of the lump sum and subject to an affordability assessment.

Why Marlin

Fast access, honest costs, and a person who picks up the phone.

Bridge the gap while you wait

Take a loan from R2 000 against a lump sum that's already due to you, while the fund or insurer finalises it.

Nothing to pay upfront

You never pay a fee before you get your loan. Anyone asking you to is not Marlin.

Every cost, before you sign

Try our cost calculator with the live repo-linked rate. Your agreement shows the full cost before you sign.

One repayment, no instalments

Repaid once when your payout lands. Early settlement accepted.

How it works

Six simple steps. One real person on your side.

  1. Application

    Step 1

    Apply online

    Tell us about your payout. It takes a few minutes and there's no obligation.

  2. Marlin calling

    Step 2

    We call you

    A Marlin consultant calls to talk through what you need and what to expect.

  3. Step 3

    Send your documents

    Share your ID, benefit statement and payslip. We tell you exactly what's needed.

  4. Step 4

    Credit check & verification

    We run the affordability assessment the National Credit Act requires.

  5. Step 5

    Sign & approve

    You review the full cost and sign your agreement. No surprises.

  6. Step 6

    Get your money

    Funds are paid to you. You repay once, when your payout lands. Early settlement accepted.

Know the cost

Slide, see, decide. No surprises later.

Cost calculator · estimate

What would it cost you?

Loans start from R2 000 and are usually about 10% of your expected payout. For example, a R300 000 payout → about R30 000.

Your estimate is based on when your payout is expected (61 to 180 days).

Estimated total to repay

R23 294.50

One repayment when your payout lands. Early settlement accepted.

Loan amount
R20 000.00
Initiation fee (VAT incl.)
R1 207.50
Interest (28.25% a year)
R1 501.88
Service fee (VAT incl.)
R207.00
Guarantee
R378.12

Rate = SARB repo rate 7.25% (as at 23 October 2026) + 21% a year. It follows the repo rate.

Get your exact quote

An estimate from today's rates, not an offer. Your quote and loan agreement show the exact cost before you sign. It does not include any fee charged by your own FSP. All credit is subject to an affordability assessment.

Every fee explained on our costs page.

Stay safe

Fraudsters use our name. Here's how to tell.

  1. 1

    They ask you for an out-of-pocket payment.

    Marlin Credit will never ask you for one.

  2. 2

    They contact you from a number that isn't on this website.

    Our numbers are 021 949 0930 and +27 81 383 4837.

  3. 3

    They can't give you an NCR registration number.

    Ours is NCRCP327.

  4. Read the full guide to spotting bridging-loan scams

FAQ

Questions people ask us

What is bridging finance?

Bridging finance is a loan against a lump-sum payout that is already due to you, such as a pension or provident fund payout. You take a loan against it now and repay it once, when your payout lands. Early settlement is accepted.

How much can I borrow?

Loans start from R2 000 and are based on about 10% of your expected lump sum, subject to an affordability assessment. Your expected payout needs to be at least R30 000.

Do you charge upfront fees?

No. Marlin Credit never charges upfront fees. If anyone asks you to pay a fee before you receive a loan in Marlin Credit's name, it is a scam. Please report it to us.

What documents do I need?

Usually a copy of your ID, your pension or provident fund benefit statement and your most recent payslip. Some payout types need extra documents; a consultant will tell you exactly what your case needs.

Is Marlin Credit registered with the National Credit Regulator?

Yes. Marlin Credit is registered with the National Credit Regulator under registration number NCRCP327, and all credit is subject to an affordability assessment as required by the National Credit Act.

The money is already yours. Let's get you some of it sooner.

A free, no-obligation check takes 30 seconds. A real consultant takes it from there.

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