Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

R10,000
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Lenders Compared

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Recently added

Lime24 Short-Term Loan
APR 36.0%
This loan is best for individuals facing immediate financial needs who can repay within 90 days.
R500–R8k 3–3 months ⚡ Same day

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

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FNB (First National Bank)

FNB Personal Loan with eBucks Rewards
APR 12.0%
This loan is best for individuals with strong credit profiles looking for flexibility in loan terms and the added benefit of rewards.
R1k–R300k 6–72 months ⚡ Same day

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

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Boodle Short-Term Loan
APR 36%
This loan is best for individuals needing urgent financial assistance with a manageable repayment plan.
R4k–R8k 3–6 months ⚡ Minutes

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

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Standard Bank

Standard Bank Personal Loan
APR 12.25%
This loan is best for individuals with a good credit rating looking for a substantial amount with extended repayment periods.
R2k–R300k 6–72 months ⚡ Same day

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

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Wonga

Wonga Short-Term Loan
APR 36.0%
This loan is best for individuals needing immediate funds, especially for unexpected expenses.
R500–R8k 3–6 months ⚡ Under 15 minutes

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

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Letsatsi Finance

Letsatsi Finance Personal Loan
APR 24.0%
This service is best for South Africans seeking immediate financial relief or those needing a larger loan with easy access through branches or online.
R500–R8k 3–6 months ⚡ Same day

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.

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Finance27

Finance27 Short-Term Loan
APR 36.0%
This loan is best for individuals who require immediate access to funds and can repay within a short timeframe.
R1k–R7.2k 2–2 months ⚡ Within 24 hours

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

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Nedbank

Nedbank Personal Loan
APR 10.25%
This loan is best for individuals looking for affordable borrowing options up to R400,000 with an established bank and a reliable rewards system.
R2k–R300k 6–72 months ⚡ 1-2 business days

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

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Mulah

Mulah Short-Term Loan
APR 36.0%
This loan is best for South Africans needing immediate cash flow solutions for unexpected expenses.
R500–R8k 3–3 months ⚡ Same day (apply by 3pm)

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

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Fasta

Fasta Personal Loan
APR 24.0%
This loan is best for individuals needing quick access to funds with a flexible repayment structure.
R500–R8k 3–6 months ⚡ Minutes

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

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DirectAxis

DirectAxis Personal Loan
APR 15.0%
This loan is best for individuals seeking a fixed-rate personal loan with flexibility in loan amounts and repayment terms.
R2k–R250k 6–72 months ⚡ 1-2 business days

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

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Bayport Financial Services

Bayport Personal Loan for Government Employees
APR 18.0%
This loan is best for government workers and pensioners looking for hassle-free access to funds with automatic deductions from their salaries.
R2k–R250k 6–60 months ⚡ 1-3 business days

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.

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Absa

Absa Personal Loan
APR 12.0%
This loan is best for individuals with a high credit rating looking for manageable repayment terms.
R2k–R300k 6–72 months ⚡ 1-2 business days

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

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RCS Financial Services

RCS Personal Loan
APR 15.0%
Individuals with a developing credit history looking for short-term financial assistance between R1,000 and R150,000.
R1k–R100k 6–60 months ⚡ 1-2 business days

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.

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TymeBank

TymeBank Personal Loan
APR 15.0%
This loan is ideal for those seeking quick access to funds without traditional paperwork, particularly for emergencies or large purchases.
R500–R100k 3–36 months ⚡ Same day

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

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FinChoice

FinChoice Personal Loan
APR 27.0%
This loan is best for individuals needing quick cash for unexpected expenses who appreciate the option to skip payments during tough times.
R500–R50k 3–36 months ⚡ Same day

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

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Sanlam Credit Solutions

Sanlam Credit Solutions Personal Loan
APR 15.0%
Ideal for individuals looking for substantial loan amounts with the possibility of insurance-backed options.
R2k–R200k 6–60 months ⚡ 1-2 business days

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

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Finbond Mutual Bank

Finbond Mutual Bank Personal Loan
APR 21.0%
Ideal for individuals seeking short-term financial solutions with flexible repayment options.
R500–R25k 3–24 months ⚡ Same day

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

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Capfin

Capfin Personal Loan
APR 21.0%
This loan is best for individuals seeking immediate cash for personal expenses and who may have lower credit ratings.
R1k–R50k 3–24 months ⚡ Same day

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

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Old Mutual

Old Mutual Personal Loan
APR 15.0%
This loan is best for individuals with a high credit tier looking for affordable and transparent borrowing solutions.
R5k–R200k 12–60 months ⚡ 1-3 business days

Old Mutual offers a range of personal loans with a maximum amount of R250,000, ideal for those in need of flexible financing options.

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