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Personal Loans

You can get a personal loan online from South African companies that can get you approved quickly and have funds available in your bank account within a few days. A personal loan can be better suited to your needs than a credit card, especially if you require funds for larger purchases. The fixed repayments of a personal loan make it easy to budget.

We show you South African personal loan providers that can approve you the same day, even if you have some history of bad credit.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Mazuma Loans

APPLY TODAY
Find out more & apply online now
  • R 1 000,00 Minimum Loan Amount
  • R 200 000,00 Maximum Loan Amount
  • Repayment period from 3 mths to 60 mths
  • Poor credit rating accepted
  • Interest rates start from 20% APR - Maximum APR of 119%

Borrow between R500 to R200,000 and repay it over a period that suits you. The application process will take no more than 3 minutes to complete and you could receive the funds within just a few hours. Receive an instant decision online. Apply now to see how much you can borrow. Good or bad credit accepted.

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Mazuma Loans REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R15,000 over 15 months at a fixed rate of 28% per annum and a fee of R68.40 per month and initiation fee of R1,197 would result in a representative rate of 68% APR (fixed), total amount repayable is R22,717

Boodle instant loan

APPLY TODAY
Find out more & apply online now
  • R 100,00 Minimum Loan Amount
  • R 8 000,00 Maximum Loan Amount
  • Repayment period from 0 mths to 1 mths
  • Instant decision online
  • Increased borrowing for existing customers
  • Maximum interest rate of 60% APR

Boodle is fast becoming one of South Africa's most popular instant cash loan lenders and guarantees to provide a decision within minutes. As a first time borrower you can borrow up to R3000, repaying this over a maximum period of 33 days. Instant loans provide a convenient way of borrowing funds when you need it fast, although it's always advisable to settle the loan as soon as you can to reduce the amount of interest you pay. By repaying your loan on time will increase your Boodle Ranking and overall credit rating, which will allow existing customers to borrow up to R8000.

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Boodle instant loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R3000 over 1 month at a fixed rate of 60% per annum and a fee of R60 per month plus 14% VAT and initiation fee of R165 plus 10% on the loan value above R1000 plus 14% VAT. Fee capped at 15% of the loan value plus 14% VAT. Interest charged at 0.17% per day would result in a representative rate of 60% APR. R3000 loan over 33 days, interest and fees R669.81, total amount repayable R3669.81

Loan SA

APPLY TODAY
Find out more & apply online now
  • R 5 000,00 Minimum Loan Amount
  • R 150 000,00 Maximum Loan Amount
  • Repayment period from 6 mths to 60 mths
  • Poor credit rating accepted
  • Maximum interest rate of 27% APR

Apply for a personal loan of up to R150 000. The loan application process only takes 3 minutes to complete and you could even have the funds in your account the very same day. Loan SA will assist clients that have a poor credit rating, garnishee and even defaults. There is no need to submit any documents as the entire process is done online. One of their key products that is included in the membership is their legal assist services – you will receive unlimited telephonic legal services and contract assist services. Use your Loan SA for whatever you like!

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Loan SA REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R50,000 over 36 months at a fixed APR of 10.71% per annum and a fee of R1,000. Total amount of interest charged at R8681. Monthly repayments of R1,630, total amount repayable is R59,716

SA PERSONAL LOANS

APPLY TODAY
Find out more & apply online now
  • R 1 000,00 Minimum Loan Amount
  • R 15 000,00 Maximum Loan Amount
  • Repayment period from 3 mths to 60 mths
  • R57 monthly fee applies
  • Maximum interest rate of 28% APR for long term loans

Complete the simple online application form in under 2 minutes and get an answer the very same day. Your rate will be fixed for the duration of the loan and is determined when you apply. Borrow from a minimum of R 1000 up to R 15,000 with repayment terms ranging from 3 and 60 months. A monthly service fee of R57 applies.

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SA PERSONAL LOANS REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R15,000 over 36 months at a fixed APR of 28% per annum and a monthly service fee of R57. Total amount of interest charged at R9,388.34. Monthly repayments of R677.45, total amount repayable is R24,388.34

SupaSmartLoans

APPLY TODAY
Find out more & apply online now
  • R 1 000,00 Minimum Loan Amount
  • R 200 000,00 Maximum Loan Amount
  • Repayment period from 12 mths to 60 mths
  • Interest rates start from 11% APR - Maximum APR of 119%

SupaSmartLoans is a trusted loan broker that matches people to lenders through smart online technology. By submitting just one application form, you will get access to multiple lenders within seconds. Their services are available 24hours a day and you could borrow up to R200 000. Loans can be repaid within 1-5 years and you must be 18 years or older to apply. Applicants with poor credit history can still apply.

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SupaSmartLoans REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R15,000 over 15 months at a fixed rate of 28% per annum and a fee of R68.40 per month and initiation fee of R1,197 would result in a representative rate of 68% APR (fixed), total amount repayable is R22,717

Smart Loan SA

APPLY TODAY
Find out more & apply online now
  • R 5 000,00 Minimum Loan Amount
  • R 150 000,00 Maximum Loan Amount
  • Repayment period from 6 mths to 60 mths
  • One off fee of R359 chargeable plus monthly fee of R94
  • Maximum interest rate of 27% APR

You can use your Smart Loan SA loan for whatever you like: Home improvements, Debt consolidation, School fees, Business, Family emergency, Medical, Wedding or even a vacation. Their application process is quick and simple and you could borrow up to R150000. As an added extra Smart Loan SA offer a 4 in 1 package which includes a q-assist Program, Free Loan Finding Service and a Full Credit Report and legal advice services. This package is available for R359.00 once-off and a recurring membership fee. Customers with a poor credit rating may still be accepted.

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Smart Loan SA REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R50,000 over 36 months at a fixed APR of 10.71% per annum and a fee of R1,000. Total amount of interest charged at R8681. Monthly repayments of R1,630, total amount repayable is R59,716

BondBuddy home loan

APPLY TODAY
Find out more & apply online now
  • R 100 000,00 Minimum Loan Amount
  • R 60 000 000,00 Maximum Loan Amount
  • Repayment period from 1 mth to 360 mths
  • Get pre-approved within hours
  • Access all major banks and get the lowest rates

BondBuddy will give you absolutely everything you need to get you into your new home as fast as possible. They work with all major banks and are able to offer many different types of financial products to suit your individual needs. Simply apply online to get instant access to the best rates from all major banks, attorneys, and insurance deals. BondBuddy will assist you every step of the way, right up until you get the keys to your new home. There’s a no obligation, quick and easy application and they will secure the best possible rate for you within a few hours.

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BondBuddy home loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R900,000 over 30 years at a fixed rate of 10.5% per annum and total bond, transfer and initiation fee of R51,725 would result in total interest of R1,963,754. Total amount repayable is R2,963,754

My Bond Quotes Home Loan

APPLY TODAY
Find out more & apply online now
  • R 100 000,00 Minimum Loan Amount
  • R 60 000 000,00 Maximum Loan Amount
  • Repayment period from 1 mth to 360 mths
  • Get pre-approved within hours
  • Compare rates from all major banks in South Africa

My Bond Quotes connects bond originators and homebuyers, effectively facilitating a smooth bond application process online. Simply complete the on-site bond quote forms to request a free home loan quote via email. Once you've submitted your details, it will only take 60 seconds and a bond originator from the mortgage companies you contacted will give you a call and tailor a mortgage solution to suit your personal needs. Let My Bond Quotes do all the hard work for you!

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My Bond Quotes Home Loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R900,000 over 30 years at a fixed rate of 10.5% per annum and total bond, transfer and initiation fee of R51,725 would result in total interest of R1,963,754. Total amount repayable is R2,963,754

Loans Unlimited Personal Loan

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Find out more & apply online now
  • R 4 000,00 Minimum Loan Amount
  • R 150 000,00 Maximum Loan Amount
  • Repayment period from 24 mths to 72 mths
  • Platinum Club benefits (R397 fee applies)
  • Maximum interest rate of 28% APR

Since 2007, Loans Unlimited have been helping thousands of South African residents obtain finance at competitive rates. Apply for a personal loan and join the Platinum Club to receive access to online resources for debt management, budget planning, income building resources and credit reports as well as their free loan-finding service. There is a one-off fee of R397 for the cost of the Platinum Club. Borrow up to R150,000 and repay from 24-72 months. You will need to earn at least R1500 per month and have your own South African bank account to be eligible.

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Loans Unlimited Personal Loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R15,000 over 36 months at a fixed APR of 28% per annum and a one-off fee of 397. Total amount of interest charged at R9,388.34. Monthly repayments of R620.45, total amount repayable is R22,733.34

RCS Personal Loan

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Find out more & apply online now
  • R 2 000,00 Minimum Loan Amount
  • R 125 000,00 Maximum Loan Amount
  • Repayment period from 12 mths to 60 mths
  • Initiation and monthly service fees apply
  • Maximum interest rate of 28% APR

RCS Loan gives you access to a cash loan of up to R125 000 with flexible repayment options from 12 to 60 months. You’ll know exactly how much you will have to pay each month with fixed monthly instalments. You will also get a decision in seconds and can have the cash in your account within 24 hours. Receive free monthly statements via email or SMS and get Customer Protection Insurance for added peace of mind. R800 Initiation fee applies.

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RCS Personal Loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R7,500 over 24 months at a fixed rate of 28% per annum and a fee of R800 charged up front. Monthly service fee: R68,40. Total Amount payable: R13,475.39

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