Personal loans in South Africa

What is covered here

A personal loan can be used for personal expenses and repaid under the terms of a credit agreement. The providers listed here offer an online application or a partner application route. The list is advertising-supported and alphabetical, not a ranking of rates or approval chances. Check the final domain and legal provider named in the agreement.

Published information we can compare

CreditBar publishes R500–R5,000 over 7–61 days. FASTA publishes access to credit up to R15,000 over up to six monthly instalments. Jabulani Money says an offer follows an affordability assessment. We could not confirm current public amount and term limits for the LendPlus and PrimeLoans sites. Ask each site for a current quotation to compare total repayment on the amount and schedule you actually need.

Affordability comes before approval

Before applying, subtract rent, food, transport and existing debt payments from reliable income. Check whether each proposed instalment fits the remaining amount, including less predictable expenses. An application can be declined, and a published maximum is not an approval. The NCR consumer guide explains the pre-agreement statement and quotation you should receive before signing.

Related guides

Read how to compare total loan cost or browse all online-loan routes.