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Cim Finance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cim Finance suits Mauritius residents in employment or self-employment who want a personal loan or a revolving credit line for home improvement, with a term of 60. Its Classic card pays cashback of 1% at Cim merchants, though an annual fee of MUR 230 applies for carrying it.

Key facts

Best for
Home-improvement borrowing in Mauritius with a term of 60.
APR
25.2%↗
Term
60 months↗
Funding time
4-5 working days↗
Lender type
Direct lender↗
Eligibility
Resident individuals (employed or self-employed) in Mauritius; national ID card, proof of address, recent payslip or 3-6 months bank statement, plus trade licence if self-employed; mandatory credit insurance assigned to CIM Financial Services Ltd; commercial-purpose projects excluded↗
Loan types
Personal, Credit-line↗
Use cases
Home-improvement↗
Legal entity
CIM Financial Services Ltd (business registration number C07057494)↗
Headquarters
Mauritius↗
Founded
1987↗
Support channels
Phone, Email, Help-centre↗
Features
Rewards
Official website
cimfinance.mu

Credit cards

Annual fee
MUR 230↗
Rewards type
Cashback↗
Rewards rate
1% cashback at 800+ Cim merchants, 1 bonus point per Rs 1 spent↗
Perks
Up to 45 days interest-free credit, Rs 100 cashback on first card activation, Contactless payment and 3D Secure, Additional card for spouse or child, Discount programme at preferential partners, Repayment from 5% of the balance due↗
Cashback rate
1%↗
Card kind
Credit↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInXsupport.cimfinance.mu

Pros and cons

Pros

  • A direct lender, so the agreement is with CIM Financial Services Ltd rather than a broker.
  • Mandatory credit insurance is assigned to CIM Financial Services Ltd with the credit facility.
  • Help is available through phone, email and help centre.
  • Trading in Mauritius since 1987.

Cons

  • The Classic card carries an annual fee of MUR 230.
  • Card borrowing is priced at an APR of 25.2%.
  • Funding on the credit facility takes 4-5 working days, so it does not suit a same-day need.
Cim Finance

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Residents in Mauritius in employment or self-employment who can show recent income evidence.
  • Home-improvement borrowers who want the longer window of 60.
  • Applicants willing to hold mandatory credit insurance assigned to CIM Financial Services Ltd.

Who should look elsewhere

  • Cashspace, whose terms of 2 to 4 suit a short need.
  • Sofkredit, whose terms of 6 to 240 cover a much wider window.
  • Creduma ES, for a quick offer and money sent once the papers are signed.

Safety of your money

Cim Finance is a direct lender, so the credit agreement is with CIM Financial Services Ltd rather than a middleman. The business is licensed by the Financial Services Commission in Mauritius, which grants its Credit Finance, Factoring, Leasing and Insurance Agent licences. Mandatory credit insurance is assigned to CIM Financial Services Ltd on the credit facility, and the registered legal entity is CIM Financial Services Ltd.

How Cim Finance compares

Where Cim Finance is available

Available
Mauritius
Licence in Mauritius
Financial Services Commission (FSC), Mauritius - Credit Finance, Factoring, Leasing and Insurance Agent licences, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the CIM Classic card cost?+

The Classic card is a credit card that charges an annual fee of MUR 230 and prices borrowing at an APR of 25.2%. It sits among the Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure listed for the card, which include an interest-free period and a payment floor set as a share of the balance due.

Is Cim Finance regulated, and who do I hold the contract with?+

Cim Finance operates as a direct lender, so CIM Financial Services Ltd is the counterparty on the facility. The business holds Credit Finance, Factoring, Leasing and Insurance Agent licences from the Financial Services Commission in Mauritius. Mandatory credit insurance is assigned to CIM Financial Services Ltd as part of the credit facility.

Who can apply for the credit facility?+

Borrowing is open to resident individuals in Mauritius who are employed or self-employed, and home improvement home-improvement work is the stated use. Applicants need a national ID card, proof of address and a recent payslip, or several months of bank statements; self-employed applicants add a trade licence. Commercial projects sit outside eligibility.

How quickly is money paid out?+

Funding on the credit facility takes 4-5 working days once an application is approved, so it is planned borrowing rather than same-day cash. Card purchases are the quicker route if you already hold the Classic card, since balances can run interest-free for a period listed among the Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure.

What kinds of credit does Cim Finance offer?+

The book covers personal loans and a credit line, personal and credit line, so both kinds of borrowing stay with the same lender. The facility is aimed at home-improvement spending, while the Classic card adds revolving credit with cashback on 1% of spend. Support for both sides runs through phone, email and help centre.

What does the Classic card earn in rewards?+

Rewards are cashback, cashback, at 1% when you spend at Cim merchants, alongside a bonus point for each rupee spent there. The wider Up to 45 days interest free credit, Rs 100 cashback on first card activation and Contactless payment and 3D Secure add a welcome cashback payment on activation, discounts at partner merchants and an extra card for a spouse or child.

How long can I borrow for?+

The credit facility term is 60, which suits spreading a large cost over years. Sofkredit lists terms of 6 to 240, while Cashspace offers a much shorter 2 to 4, so the right fit depends on how long you want the money to last.

How do I get help if something goes wrong?+

Support runs through phone, email and help centre, so you can reach the business by phone, by email or through its help centre. Live chat is not part of that list, and the same channels cover both the credit facility and the card.

Sources

  • cimfinance.mu checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “CIM Financial Services Ltd a company incorporated in the Republic of Mauritius”

  • cimfinance.mu/about checked September 26, 2026

    Backs: Founded

    “Cim Finance has been offering financial solutions to consumers, SMEs and large corporates since 1987”

  • cimfinance.mu/individual/credit-cards/cim-classic-card checked September 26, 2026

    Backs: Annual fee, APR, Card kind, Cashback rate, Features, Perks, Rewards rate, Rewards type

    “Annual fees Rs 230”

  • cimfinance.mu/individual/credit-facility/cim-mocredit checked September 26, 2026

    Backs: Eligibility, Funding time, Loan types, Term, Use cases

    “An insurance plan is necessary to cover you in the case of death or invalidity ... credit facility for all types of events excluding those which have a commercial purpose”

  • cimfinance.mu/individual/credit-facility/credit-facility checked September 26, 2026

    Backs: Support channels

    “Online Support ... designed to assist you in finding answers to the most frequently asked questions about our services”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Arrangement fee, Credit check, Representative example.

Related by the facts

Cim Finance

Cim Finance

Home-improvement borrowing in Mauritius with a term of 60.

9.2/10See alternatives