Compare personal loans

Wonga Short Term

Wonga Short-Term Loan

Wonga offers a quick solution for urgent cash needs, but be cautious of high interest rates.

36.0%–60.0% APR 500–8000 3–6 months

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

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TymeBank Personal

TymeBank Personal Loan

TymeBank offers a convenient digital solution for personal loans, but borrowers should be mindful of the interest rates.

15.0%–27.75% APR 500–100000 3–36 months

This loan is ideal for those seeking quick access to funds without traditional paperwork, particularly for emergencies or large purchases.

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Short Term

Lime24 Short-Term Loan

Lime24 offers quick access to funds, but be mindful of the high interest rates.

36.0%–60.0% APR 500–8000 3–3 months

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

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Standard Bank Personal

Standard Bank Personal Loan

Standard Bank offers a competitive personal loan option with flexible repayment terms, making it suitable for various financial needs.

12.25%–29.25% APR 2000–300000 6–72 months

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

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Short Term

Boodle Short-Term Loan

Boodle offers quick access to cash, but be wary of high interest rates.

36%–60% APR 4000–8000 3–6 months

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

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Letsatsi Finance Personal

Letsatsi Finance Personal Loan

Letsatsi Finance offers a flexible option for personal loans, catering to both emergencies and larger financial needs. However, be mindful of the relatively high APR rates.

24.0%–27.75% APR 500–8000 3–6 months

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

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Finance27 Short Term

Finance27 Short-Term Loan

Finance27 offers a streamlined option for those in need of quick cash, but the high APR may deter some borrowers.

36.0%–38% APR 1000–7200 2–2 months

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

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Nedbank Personal

Nedbank Personal Loan

Nedbank offers competitive personal loans with flexible terms, making it a solid choice for borrowers. Their rewards program adds extra value for timely repayments.

10.25%–27.75% APR 2000–300000 6–72 months

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

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Mulah Short Term

Mulah Short-Term Loan

The Mulah Short-Term Loan offers quick access to funds, but borrowers should be cautious of high interest rates.

36.0%–60.0% APR 500–8000 3–3 months

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

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Bayport Financial Services Personal

Bayport Personal Loan for Government Employees

Bayport offers competitive personal loans tailored for government employees and pensioners, with convenient salary deductions. However, the interest rates may be higher than some alternatives.

18.0%–27.75% APR 2000–250000 6–60 months

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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DirectAxis Personal

DirectAxis Personal Loan

DirectAxis offers competitive personal loans tailored for South Africans. However, potential borrowers should carefully consider their financial situation before committing.

15.0%–27.75% APR 2000–250000 6–72 months

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

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FNB (First National Bank) Personal

FNB Personal Loan with eBucks Rewards

The FNB Personal Loan offers competitive rates and eBucks rewards for loyal customers, making it a solid choice for those with high credit ratings.

12.0%–27.75% APR 1000–300000 6–72 months

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

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Finbond Mutual Bank

Finbond Mutual Bank Personal Loan

Finbond Mutual Bank offers accessible personal loans with competitive rates. However, potential borrowers should consider their financial situation carefully.

21.0%–27.75% APR 500–25000 3–24 months

Ideal for individuals seeking short-term financial solutions with flexible repayment options.

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Absa Personal

Absa Personal Loan

Absa offers flexible personal loans with competitive rates, ideal for those seeking financial support in South Africa.

12.0%–27.75% APR 2000–300000 6–72 months

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

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RCS Financial Services Personal

RCS Personal Loan

The RCS Personal Loan provides quick access to funds, with approval times of 1-2 business days. However, the APR ranges from 15.0% to 27.75%, making it potentially expensive for long-term borrowers.

15.0%–27.75% APR 1000–100000 6–60 months

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

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Fasta Personal

Fasta Personal Loan

Fasta offers a flexible and accessible personal loan option, but watch for the interest rates which can be on the higher side.

24.0%–27.75% APR 500–8000 3–6 months

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

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FinChoice Personal

FinChoice Personal Loan

The FinChoice Personal Loan offers convenient access to funds with flexible repayment options, but the interest rates are on the higher side.

27.0%–27.75% APR 500–50000 3–36 months

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

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Capfin Personal

Capfin Personal Loan

Capfin offers accessible short-term loans for employed South Africans, ideal for those in need of quick financial support.

21.0%–27.75% APR 1000–50000 3–24 months

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

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Sanlam Credit Solutions Personal

Sanlam Credit Solutions Personal Loan

Sanlam offers a robust personal loan option with flexible terms, but borrowers should be cautious about their financial commitments.

15.0%–27.29% APR 2000–200000 6–60 months

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

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Capitec Bank Personal

Capitec Personal Loan

Capitec offers a straightforward and competitive personal loan option for South Africans, particularly appealing due to its digital application process.

12.25%–27.75% APR 1000–250000 6–84 months

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

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