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Money that moves with you.

Borrow, pay and save from one app, built for how people across Africa earn and spend.

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Fido Score Build your Fido Score and unlock bigger, better loans. Build credit
Borrow Personal Credit Instant credit to your mobile money wallet Business Loans Working capital to grow your business
Everyday money Build Credit Grow your Fido Score, unlock more

Empowering individuals and entrepreneurs.

We build inclusive, instant financial services that help people across Africa capture opportunities.

About Fido
We're hiring Join us in our mission to make financial services accessible in Africa. View openings
Fido About us Our mission and the team behind Fido Careers Build the future of finance with us Contact Talk to us or visit our offices
Trust & reports Impact Report Small business, big impact ESG Report Building a more responsible future Whistleblower Portal Speak up safely and confidentially Professional Conduct Our commitment to doing right

Grow your money know-how.

Free guides, webinars and courses to help you budget, save and build your business.

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Fido Academy Free courses on money, credit and running a business. Start learning
Read & watch Blog Money tips, how-tos and Fido news Events Webinars and in-person sessions
Get help Help centre Answers to common questions Lodge a complaint We listen, and we act on it
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Trusted by 1m+ customers across Africa

Flexible loans.
Zero stress.

Join millions across Africa accessing flexible short-term loans. No paperwork. No hidden fees.

Get started Explore products
+$500m in credit distributed
to people and businesses
1m+ customers served across Africa
$500m+ value of credit distributed
85% of customers recommend Fido
24/7 access. No banker's hours, no hidden fees
What you can do with Fido

One app.
Every money move.

Flexible credit when life happens, and a Fido Score that opens bigger doors.

Borrow

Credit when life happens.

Personal and business credit straight to your bank account. No collateral, no paperwork, no hidden fees.

Personal Credit Business Loans
Build Credit

Keep calm & build credit.

Repay on time, grow your Fido Score and unlock bigger, better loans. Your badge of trust.

Build your Fido Score →
How Fido works

Three steps to
money on your terms.

At Fido, we're dedicated to offering clear, fast and customer-focused lending. Getting started takes minutes.

STEP 01

Verify your identity

Use your selfie, South African ID card, and address to access instant loans in South Africa with Fido.

STEP 02

Get your Fido Score

Unlock more with Fido, the leading loan app in South Africa. Answer a few questions and access better loan options.

STEP 03

Own your finances

Take charge of your money with Fido. Anytime, anywhere, straight from your phone.

Testimonials

Why our customers love us.

“Great customer care services, ample repayment period, great service in general. Thank you Fido.”

Eric Kalulu Fido customer, South Africa
Facts & numbers 85%

of customers recommend Fido services to friends and family.

Customer story

How Nancy revived her business after almost losing everything.

Customer story

“I've been a Fido customer for the past 5 years. Fido has never disappointed me.”

Fido customer
Good to know

Frequently asked questions.

Are there any hidden fees?

No. Fido shows you exactly how much you will repay before you accept the loan. What you see is what you pay.

Are there government grants for school fees in South Africa?

The government subsidises no-fee schools (Quintile 1, 2, and 3). Parents at these schools cannot legally be charged fees. The Child Support Grant (R500/month per child) can also indirectly help cover school costs.

Can a school refuse to teach my child if I have not paid school fees?

No. Under the South African Schools Act, a learner may not be refused admission or excluded from classes due to non-payment of fees. The school may pursue the debt through legal means, but your child's right to education is protected.

Can I get financial help for back-to-school expenses in South Africa?

Yes. Options include fee exemptions from the school, the Child Support Grant, NSFAS for tertiary students, and short-term education loans through apps like Fido. Fido education loans are available quickly with no paperwork and repayment aligned to your payday.