Built by South Africans, for South Africans.
We're not a faceless bank. We're a small family-run team who started R&H because we lived through the same month-end squeeze you do.
Started at a kitchen table.
R&H grew out of a simple frustration: watching neighbours, friends and family forced to choose between paying school fees and putting food on the table, all because traditional lenders kept saying "no" — or said "yes" and then drowned them in hidden fees.
We sat down at a kitchen table in 2020 and asked a different question: what if the loan you actually need is small, fast, transparent, and treats you like a grown-up?
Today R&H Financial Solutions lends to teachers, nurses, retail workers, security guards, students and parents across all nine provinces. Every single approval is read by a human. Every repayment plan is built around what you can actually afford — capped at 30% of your net income, no exceptions.
What we stand for
Dignity first
No interrogations, no judgement. Whatever brought you here, we treat you with respect.
Honest pricing
One flat 30% rate. No origination fee, no monthly admin charge, no surprises.
Real humans
WhatsApp a real person on +27 83 763 7939. We answer — usually within minutes.
Ready to take the next step?
Whether it's getting your kid through the term, fixing the geyser before winter, or just bridging to payday — we've got you.