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Loans in South Africa

Lets face the fact. Our daily life depends on Money. We live in the world where Money is very important and without it life becomes difficult. Financial support is needed to lead a normal modern life, if not a Luxury life. In South Africa, an average Man’s salary may be just sufficient to cover his family’s expenses through out a given month. In such a scenario, its difficult to save money and improve one’s life. This is where Loans come into the picture.

A personal loan is a specified amount of money borrowed from a lender, which are generally paid back in fixed monthly payments over a set time. You can commit to paying back the money over a short-term, mid-term or long-term loan repayment period.


With a little bit of research, you can make an informed decision.

1. Personal Loans

Ideal for helping you afford that ultimate holiday or some much-needed home renovations, a Personal Loan is a great option for borrowing money for your needs. Your bank will help you determine your loan’s conditions – loan amount, interest rate, monthly repayments and your loan’s term – based on your personal information and requirements.

2. Home Loans

If you’re buying or building your first house or any additional property, a Home Loan can help you secure your dream home’s financing. Your borrowing amount depends on your monthly income (before tax) and your monthly expenses.

3. Pension-Backed Housing Loans

A pension-backed housing loan is an alternative form of housing finance where your loan is secured by your retirement’s saving instead of a bond. Monthly instalments are usually enabled by your employer through your monthly salary, and your maximum loan term is 30 years, or the length of time to your retirement.

4. Vehicle Loans / Car Finance

If you’re in need of some extra cash to buy a new set of wheels, consider Vehicle Finance. Once you’ve found the car you want and have chosen your financing option, you’ll generally have over 12-months to five years, or more, to repay your loan.

5. Student Loans

And finally, don’t let a lack of funds stop you from fulfilling your career goals. A Student Loan will cover any educational costs, giving you the comfort of knowing funds are available for all your studying dreams.

Whichever loan you’re interested in, research as much as you can before making any final decisions. And always try to pay back your loan as soon as possible to avoid excessive interest rates and monthly repayments.

Some Conditions for getting a loan

Can I be refused a loan?

Institutions will always do its best to accommodate your requests, but ultimately your final loan amount will be based on your personal financial profile and is subject to credit approval.

I’m a South African citizen but I don’t live here, can I still take out a loan?

To qualify for a loan you have to both work and live in South Africa.

Can I use my personal loan amount as I choose?

The money is yours to spend as you see fit.

Personal Loans up to R150,000

  •  Lowest Possible Interest Rates
  •  Simple & Small Application Form
  •  Very Minimal Paperwork or Faxing
  •  Very Fast Simple Process
  •  Almost Instant Approval
  •  No Securities Required
  •  Blacklisted Clients can Apply
  •  Free to Apply Online
  •  100% Safe, Secure & Confidential
  •  No Obligation at al