The cut-throat finch has plumage that is pale, sandy brown with flecks of black all over. It has a black-brown tail, a thick white chin and cheeks, and a chestnut brown patch on the belly. The legs are a pink fleshy colour. The adult male has a bright red band across its throat (thus the name "cut throat"), while the male juveniles have a slightly duller red band.
It has an estimated global extent of occurrence of 3,300,000 km2. It is found throughout much of Sub-Saharan Africa, particularly in the Sahel, eastern and southern parts of the continent.
Cut-throat finches usually use nests constructed by other birds . A clutch usually consists of 3 to 6 white eggs, which hatch after an incubation period of 12-13 days. The chicks leave the nest after 21-27 days but continue to be fed by their parents for a further three weeks.