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Personal Loans

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Rates verified and updated daily by our editorial team

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APR 36.0–60.0%
Amount R500–R8k
Term 3–3 mo
Speed Same day (apply by 3pm)

Best for: This loan is best for South Africans needing immediate cash flow solutions for unexpected expenses.

APR 12.25–27.75%
Amount R1k–R250k
Term 6–84 mo
Speed Same day

Best for: Ideal for clients seeking a quick, fully digital loan process with personalised rates.

APR 36–60%
Amount R4k–R8k
Term 3–6 mo
Speed Minutes

Best for: This loan is best for individuals needing urgent financial assistance with a manageable repayment plan.

RCS Personal Loan

RCS Financial Services

APR 15.0–27.75%
Amount R1k–R100k
Term 6–60 mo
Speed 1-2 business days

Best for: Individuals with a developing credit history looking for short-term financial assistance between R1,000 and R150,000.

APR 36.0–60.0%
Amount R500–R8k
Term 3–3 mo
Speed Same day

Best for: This loan is best for individuals facing immediate financial needs who can repay within 90 days.

APR 21.0–27.75%
Amount R1k–R50k
Term 3–24 mo
Speed Same day

Best for: This loan is best for individuals seeking immediate cash for personal expenses and who may have lower credit ratings.

APR 36.0–38%
Amount R1k–R7.2k
Term 2–2 mo
Speed Within 24 hours

Best for: This loan is best for individuals who require immediate access to funds and can repay within a short timeframe.

APR 27.0–27.75%
Amount R500–R50k
Term 3–36 mo
Speed Same day

Best for: This loan is best for individuals needing quick cash for unexpected expenses who appreciate the option to skip payments during tough times.

APR 36.0–60.0%
Amount R500–R8k
Term 3–6 mo
Speed Under 15 minutes

Best for: This loan is best for individuals needing immediate funds, especially for unexpected expenses.

APR 12.0–27.75%
Amount R2k–R300k
Term 6–72 mo
Speed 1-2 business days

Best for: This loan is best for individuals with a high credit rating looking for manageable repayment terms.

APR 15.0–27.75%
Amount R2k–R250k
Term 6–72 mo
Speed 1-2 business days

Best for: This loan is best for individuals seeking a fixed-rate personal loan with flexibility in loan amounts and repayment terms.

APR 10.25–27.75%
Amount R2k–R300k
Term 6–72 mo
Speed 1-2 business days

Best for: This loan is best for individuals looking for affordable borrowing options up to R400,000 with an established bank and a reliable rewards system.

APR 24.0–27.75%
Amount R500–R8k
Term 3–6 mo
Speed Same day

Best for: This service is best for South Africans seeking immediate financial relief or those needing a larger loan with easy access through branches or online.

APR 24.0–27.75%
Amount R500–R8k
Term 3–6 mo
Speed Minutes

Best for: This loan is best for individuals needing quick access to funds with a flexible repayment structure.

APR 15.0–27.29%
Amount R2k–R200k
Term 6–60 mo
Speed 1-2 business days

Best for: Ideal for individuals looking for substantial loan amounts with the possibility of insurance-backed options.

FNB Personal Loan with eBucks Rewards

FNB (First National Bank)

APR 12.0–27.75%
Amount R1k–R300k
Term 6–72 mo
Speed Same day

Best for: This loan is best for individuals with strong credit profiles looking for flexibility in loan terms and the added benefit of rewards.

APR 12.25–29.25%
Amount R2k–R300k
Term 6–72 mo
Speed Same day

Best for: This loan is best for individuals with a good credit rating looking for a substantial amount with extended repayment periods.

APR 15.0–28.0%
Amount R5k–R200k
Term 12–60 mo
Speed 1-3 business days

Best for: This loan is best for individuals with a high credit tier looking for affordable and transparent borrowing solutions.

APR 18.0–27.75%
Amount R2k–R250k
Term 6–60 mo
Speed 1-3 business days

Best for: This loan is best for government workers and pensioners looking for hassle-free access to funds with automatic deductions from their salaries.

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