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Address
14-16 Averof Road, Kamma Heights, Port Elizabeth, 6070 ZA
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Phone
+27 69 623 0286
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Empower your dreams
Get StartedAbout Pienaar Group
Empowering Financial Freedom with Integrity and Trust
At Pienaar Group, we are committed to empowering individuals and businesses to achieve financial freedom through responsible lending and transparent service. Our loan programs are designed to provide the flexibility, reliability, and professional support you need to grow, invest, or consolidate debt with complete confidence. Backed by the trusted reputation of Pienaar Group, our experienced financial team takes pride in understanding every client’s goals and crafting tailored loan solutions that align with their vision. Whether you’re expanding a business, launching a new venture, or simply managing personal financial needs, we are here to ensure your journey is secure, sustainable, and successful. Our mission is simple — to make lending personal, professional, and principled.
About Us
Our Loan Features
Experience the Advantage of Smarter Lending
At Pienaar Group, we go beyond traditional lending — offering you flexibility, transparency, and genuine financial partnership. Our loan solutions are designed to empower your goals while keeping your journey simple and stress-free.
Flexible Repayment Plans: Choose a schedule that fits your lifestyle and cash flow.
Competitive Interest Rates: Enjoy affordable borrowing with transparent, fair pricing.
Fast Approvals: Access funds quickly through our streamlined digital process.
Zero Hidden Fees: What you see is what you pay — no surprises or fine print.
Dedicated Support: Our experienced team is here to guide you every step of the way.
Because when you succeed — we succeed.
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Flexible Repayment : Customize your loan with easy payment plans.
Tailor Made Loans
Pienaar Group provides tailored finance solutions for discerning commercial clients who expect performance, not promises.
Featured Plans
Secure your dreams with our empowering featured loans
Enterprise Loan
Business Enterprise Loan- Minimum Amount R10,000.00 ZAR
- Maximum Amount R5,000,000.00 ZAR
- Instalment Interest Rate 1%
- Instalment Interval 7 Days
- Total Number of Instalments 150
Working Capital Facility
Working Capital Loan- Minimum Amount R100,000.00 ZAR
- Maximum Amount R3,000,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Asset & Equipment Finance
Capital Loan- Minimum Amount R250,000.00 ZAR
- Maximum Amount R10,000,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Agricultural Development Loan
Agricultural Development- Minimum Amount R250,000.00 ZAR
- Maximum Amount R2,500,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Property Backed Business Loan
Property Backed Loan- Minimum Amount R1,000,000.00 ZAR
- Maximum Amount R250,000,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Strategic Investment Loan
Strategic Investment Finance- Minimum Amount R250,000.00 ZAR
- Maximum Amount R10,000,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Emergency Operational Funding
Emergency Finance- Minimum Amount R10,000.00 ZAR
- Maximum Amount R1,000,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Top Tier Loan
High Net Worth Financing- Minimum Amount R100,000,000.00 ZAR
- Maximum Amount R100,000,000,000.00 ZAR
- Instalment Interest Rate 1.5%
- Instalment Interval 7 Days
- Total Number of Instalments 100
Car Loan
Car & Vehicle Financing- Minimum Amount R10,000.00 ZAR
- Maximum Amount R5,000,000.00 ZAR
- Instalment Interest Rate 0.13%
- Instalment Interval 7 Days
- Total Number of Instalments 760
60
Loan Advisors
10K+
Satisfied Customers
R200M+
Total Loans
FAQ
Frequently Asked Questions
Find clear answers to common questions about PienaarBank loans, repayments, and application requirements.
Applicants are required to provide the following documentation as part of the commercial loan assessment process:
Valid Identification DocumentationProof of Address
Evidence of Income or Business Revenue
Recent Bank Statements
Details of Proposed Security, where applicable
Confirmation of agreement to obtain any required Payment Protection Policy
All documentation is used solely to verify identity, assess commercial viability, and evaluate repayment capacity for business-purpose lending.
Blog Post
Our Latest Blog
22
Oct
⚖️ What South Africa’s National Credit Act Means for Borrowers
In South Africa, credit is everywhere — from vehicle finance to home loans, business funding, and personal borrowing. But not all lending is equal, and without clear regulation, borrowers could easily fall into unfair or exploitative agreements. That’s why the National Credit Act (NCA) exists — to protect both consumers and lenders, and to promote fairness, transparency, and responsible lending. 1️⃣ What Is the National Credit Act (NCA)? The NCA was introduced in 2005 and came into full effect in 2007. Its primary goal is to ensure that all credit transactions in South Africa are: Fair Transparent Non-discriminatory Based on affordability It applies to banks, micro-lenders, retailers, and private financiers — including institutions like PienaarBank. 2️⃣ Your Rights Under the NCA As a borrower, the Act gives you specific legal rights: To receive clear information about all loan costs before signing. To be protected from reckless lending (loans that you cannot afford). To access your credit report and dispute inaccurate information. To receive a proper statement of account during your loan term. To apply for debt review if you fall behind on payments. These protections help prevent over-indebtedness and ensure that lenders act responsibly. 3️⃣ Lender Obligations All credit providers must: Assess affordability using accurate income and expense data. Disclose all interest, fees, and penalties in advance. Provide agreements in clear, understandable language. Respect privacy and not misuse personal data. At PienaarBank, we comply fully with NCA standards and South Africa’s Financial Intelligence Centre Act (FICA) to ensure fair, transparent, and ethical lending. 4️⃣ What Is Reckless Lending? A loan is considered reckless if it is granted without proper affordability checks — or if the lender knew you couldn’t realistically repay it. If a court finds a lender guilty of reckless lending, it can suspend or even cancel the loan. That’s why reputable institutions always require income verification, KYC documentation, and risk evaluation before approval. 5️⃣ Why Responsible Borrowing Matters While the NCA protects borrowers, it also expects responsibility in return. You must: Provide truthful information during your application. Use credit only for legitimate, planned purposes. Honour repayment schedules. This mutual accountability builds a stronger financial ecosystem for everyone. 6️⃣ The Role of Private Lenders in Today’s Market Private lenders like PienaarBank play a key role in providing access to finance where traditional banks can’t. By following the same NCA principles — fairness, affordability, and transparency — we’re helping to expand responsible lending to more South Africans than ever before. Final Thought The National Credit Act isn’t just a legal framework — it’s a safeguard for your financial future. By understanding your rights and choosing compliant, transparent lenders, you can borrow confidently, knowing your interests are protected every step of the way. At PienaarBank, we don’t just lend money — we uphold principles.
22
Oct
🏡 Turning Your Property into Leverage — Using Assets to Secure Finance
Discover how South Africans can use property, vehicles, or other valuable assets as collateral to secure finance, access higher loan amounts, and benefit from lower interest rates. Turning Your Property into Leverage — Using Assets to Secure Finance For many South Africans, wealth isn’t sitting in a savings account — it’s tied up in property, vehicles, or business equipment. What many don’t realise is that these assets can be used to unlock funding, giving you access to capital for expansion, investment, or personal needs. This process is called secured lending, and it’s one of the most effective ways to borrow responsibly while keeping your costs down. 1️⃣ What Is Secured Lending? A secured loan is one that is backed by an asset — for example, your home, car, or investment property. If the borrower defaults, the lender has the right to sell that asset to recover the loan balance. While that might sound intimidating, it’s actually beneficial for borrowers who want: Higher loan amounts Longer repayment terms Lower interest rates Because the risk to the lender is reduced, the cost of borrowing also comes down. 2️⃣ What Assets Can Be Used as Security? South African lenders typically accept: Residential property – full or partial ownership Vehicles – with valid ownership papers and valuation Business equipment or machinery Gold or other tangible assets Cash deposits or fixed investments Each asset type must be verifiable and supported by proof of ownership and, where required, a valuation report. 3️⃣ How Valuation Affects Loan Approval Before approving your loan, the lender will determine your asset’s market value. At PienaarBank, we usually lend up to a set percentage of that value (known as the Loan-to-Value ratio). For example: If your vehicle is worth R200,000 and our LTV limit is 70%, your maximum loan amount would be R140,000. This ensures the loan remains fair and manageable for both sides. 4️⃣ Benefits of Using Your Property or Assets as Security ✅ Lower interest rates — secured loans cost less than unsecured ones. ✅ Higher approval chances — the asset reduces the lender’s risk. ✅ Flexible repayment options — longer terms are often available. ✅ Potential to build credit — regular, on-time payments boost your credit record. 5️⃣ Risks and Responsibilities It’s important to understand that using an asset as collateral means the lender has legal claim if you fail to repay. That’s why borrowers should: Carefully read all loan documentation. Keep insurance on secured assets up to date. Notify the lender of any material changes (such as property sale or loss). Final Word At PienaarBank, we believe your assets should work for you — not sit idle. By converting property or other assets into leverage, you can unlock growth capital while maintaining full transparency and control. Your property is power — use it wisely.
22
Oct
📈 How to Build or Repair Your Credit Score in South Africa
Your credit score can make or break your ability to access finance in South Africa. Learn how to check, improve, and maintain your credit rating with these simple, proven steps. How to Build or Repair Your Credit Score in South Africa Your credit score is one of the most important financial numbers in your life — it determines whether you can get approved for a loan, rent an apartment, or even sign a cellphone contract. The good news? Even if your score isn’t great, you can rebuild it with time, consistency, and the right habits. 1️⃣ What Is a Credit Score? In South Africa, a credit score is a three-digit number that ranges from 0 to 999. It’s calculated by major credit bureaus such as TransUnion, Experian, Compuscan, and XDS, based on your payment history, debt levels, and credit usage. A score above 650 is generally considered good, while anything below 580 may signal risk to lenders. 2️⃣ Check Your Credit Score Regularly Every South African is entitled to one free credit report per year from each bureau. Visit: www.transunion.co.za www.experian.co.za www.clearscore.co.za Review your report for errors, old accounts, or missed payments that no longer apply. If you find mistakes, you have the right to dispute and request correction. 3️⃣ Pay Every Account on Time Timely repayment is the single biggest factor affecting your score. Even one missed payment can hurt your rating and stay on your report for up to two years. If you struggle to remember due dates, set up automatic debit orders or reminders. Consistency builds reliability in the eyes of lenders. 4️⃣ Keep Your Credit Usage Low If you have credit cards or revolving accounts, try not to use more than 30% of your available limit. High usage signals dependency on credit and can lower your score, even if you make payments on time. 5️⃣ Avoid Applying for Too Much Credit Every time you apply for new credit, the lender runs a hard inquiry, which temporarily lowers your score. Apply only when necessary, and avoid multiple applications in a short period. 6️⃣ Consider a Responsible Loan Paradoxically, having no credit history can make it harder to get approved. A small, well-managed loan (such as a short-term PienaarBank loan) repaid on time can help you build positive credit history and demonstrate financial responsibility. 7️⃣ Be Patient and Consistent Credit repair takes time — but progress is guaranteed if you maintain discipline. Most people can improve their score by 50–100 points within six months by following the steps above. Final Thought At PienaarBank, we don’t just offer finance — we help our clients build stronger financial futures. Responsible borrowing and timely repayments are the foundation of lasting credit health. Your credit score is your financial reputation. Protect it, improve it, and it will open every door.
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Build Your Future with Pienaar Group
Access trusted, flexible, and affordable commercial loan solutions — tailored to your goals and backed by a team that believes in your success. Whether you’re expanding a business, funding a dream, or consolidating debt, we’re here to help you move forward with confidence.
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