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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%

Good or bad credit accepted. Borrow between R500 to R200,000 and repay it over a period that suits you. Apply in under 3 minutes 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, even if you have had a history or poor credit.

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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

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
  • Poor credit rating accepted
  • 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

UAPPLY personal loan

APPLY TODAY
Find out more & apply online now
  • R 1 000,00 Minimum Loan Amount
  • R 50 000,00 Maximum Loan Amount
  • Repayment period from 3 mths to 60 mths
  • Interest rates start from 11% APR - Maximum APR of 119%

Get pre-qualified with a UAPPLY loan. Simply apply online using their application form and let them do the hard work for you. They will save you time and the hassle of shopping around to get quotes! They will forward your details on to their tried and trusted partners, as chosen by you the customer. And to top it all, the service is completely free. No monthly payment. No contracts. No obligations to accept any loans once quoted.

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UAPPLY personal loan 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

wonga loan

APPLY TODAY
Find out more & apply online now
  • R 500,00 Minimum Loan Amount
  • R 4 000,00 Maximum Loan Amount
  • Repayment period from 0 mths to 6 mths
  • Instant decision online
  • No hidden charges
  • Maximum interest rate of 36% APR

Wonga provide flexible, short-term loans that put you in control. New customers can borrow up to R4000, where existing customers can borrow up to R8000. Funds can be borrowed over 6 months, allowing you to settle the loan on a date that suits you. Wonga.com recommend that you choose your next pay day as the repayment date. The borrowing tool on the homepage shows you exactly what you will be repaying with no hidden fees or charges. Simply drag the slider to the amount you want to borrow and the time frame you want to repay it over - the total you see is the total amount you will pay.

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wonga loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R3000 over 32 days at a fixed rate of 36% per annum and a fee of R68.40 per month would result in a representative rate of 36% APR (fixed), total amount repayable is R3662.94. Total interest and fees of R662.94

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

Lime Loans

APPLY TODAY
Find out more & apply online now
  • R 300,00 Minimum Loan Amount
  • R 5 000,00 Maximum Loan Amount
  • Repayment period from -1 mths to -1 mths
  • Poor credit rating accepted
  • Reduced fees for existing customers

Lime Loans pride themselves on providing fast loans. The whole process is fully automated. Thanks to this new service, you can get money sent to your account within 5 minutes from the time of registration. An existing registered user can even have the money sent within 1 minute. No long questionnaires – they only need your basic information. No early prepayment penalties. Borrow up to R5 000 today.

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Lime Loans 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

Mpowa finance loan

APPLY TODAY
Find out more & apply online now
  • R 500,00 Minimum Loan Amount
  • R 2 500,00 Maximum Loan Amount
  • Repayment period from 0 mths to 1 mths
  • Poor credit rating accepted
  • Receive the cash within hours
  • Maximum interest rate of 60% APR

Receive cash in your account within a matter of hours. Successful applicants received before 3pm will have the cash in their account by 5pm the very same day. If you’ve previously had an Mpowa loan, then reapplications can be made easily online. Loans offered range from R500 to R2 500 and must be repaid in full on your next payday.

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Mpowa finance loan REPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of R2000 over 1 month at a fixed rate of 60% per annum and a fee of R60 per month plus VAT and initiation fee of R165 (plus VAT) on loan amount up to R1000, thereafter 10%. Interest charged at 0.17% per day would result in a representative rate of 60% APR. R2000 loan over 33 days, interest and fees R669.81, total amount repayable R2669.81

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

Ubank loan

APPLY TODAY
Find out more & apply online now
  • R 1 000,00 Minimum Loan Amount
  • R 180 000,00 Maximum Loan Amount
  • Repayment period from 1 mth to 72 mths
  • Interest based on credit profile
  • Quick access to funds once approved

Whether you are looking to buy a new car, take the family on holiday or consolidate your existing debts, the Ubank personal loan can help. Borrow anything up to R180 000 and spread it over a period that suits you from 1-72 months. The interest rate of the loan will be risk based, so the better your credit profile is, the lower the amount of interest you will pay. As long as you earn a salary, have a bank account and are between 18 and 65 years, you can apply for a personal loan. Once the loan has been approved, you can access your funds straight away from your Ubank account.

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Ubank loan 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

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

APPLY TODAY
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

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