- APR
- 12.0–27.75%
- Amount
- R1k–R300k
- Term
- 6–72mo
The FNB Personal Loan offers competitive rates and eBucks rewards for loyal customers, making it a solid choice for those with high credit ratings.
Expert Analysis
Compare personal loans
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
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- APR
- 36.0–60.0%
- Amount
- R500–R8k
- Term
- 3–3mo
The Mulah Short-Term Loan offers quick access to funds, but borrowers should be cautious of high interest rates.
- APR
- 15.0–28.0%
- Amount
- R5k–R200k
- Term
- 12–60mo
Old Mutual offers a range of personal loans with a maximum amount of R250,000, ideal for those in need of flexible financing options.
- APR
- 36–60%
- Amount
- R4k–R8k
- Term
- 3–6mo
Boodle offers quick access to cash, but be wary of high interest rates.
- APR
- 18.0–27.75%
- Amount
- R2k–R250k
- Term
- 6–60mo
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.
- APR
- 36.0–60.0%
- Amount
- R500–R8k
- Term
- 3–3mo
Lime24 offers quick access to funds, but be mindful of the high interest rates.
- APR
- 12.0–27.75%
- Amount
- R2k–R300k
- Term
- 6–72mo
Absa offers flexible personal loans with competitive rates, ideal for those seeking financial support in South Africa.
- APR
- 36.0–60.0%
- Amount
- R500–R8k
- Term
- 3–6mo
Wonga offers a quick solution for urgent cash needs, but be cautious of high interest rates.
- APR
- 15.0–27.29%
- Amount
- R2k–R200k
- Term
- 6–60mo
Sanlam offers a robust personal loan option with flexible terms, but borrowers should be cautious about their financial commitments.
- APR
- 36.0–38%
- Amount
- R1k–R7.2k
- Term
- 2–2mo
Finance27 offers a streamlined option for those in need of quick cash, but the high APR may deter some borrowers.
- APR
- 15.0–27.75%
- Amount
- R1k–R100k
- Term
- 6–60mo
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.
- APR
- 10.25–27.75%
- Amount
- R2k–R300k
- Term
- 6–72mo
Nedbank offers competitive personal loans with flexible terms, making it a solid choice for borrowers. Their rewards program adds extra value for timely repayments.
- APR
- 24.0–27.75%
- Amount
- R500–R8k
- Term
- 3–6mo
Fasta offers a flexible and accessible personal loan option, but watch for the interest rates which can be on the higher side.
- APR
- 15.0–27.75%
- Amount
- R2k–R250k
- Term
- 6–72mo
DirectAxis offers competitive personal loans tailored for South Africans. However, potential borrowers should carefully consider their financial situation before committing.
- APR
- 12.25–29.25%
- Amount
- R2k–R300k
- Term
- 6–72mo
Standard Bank offers a competitive personal loan option with flexible repayment terms, making it suitable for various financial needs.
- APR
- 27.0–27.75%
- Amount
- R500–R50k
- Term
- 3–36mo
The FinChoice Personal Loan offers convenient access to funds with flexible repayment options, but the interest rates are on the higher side.
- APR
- 15.0–27.75%
- Amount
- R500–R100k
- Term
- 3–36mo
TymeBank offers a convenient digital solution for personal loans, but borrowers should be mindful of the interest rates.
- APR
- 21.0–27.75%
- Amount
- R500–R25k
- Term
- 3–24mo
Finbond Mutual Bank offers accessible personal loans with competitive rates. However, potential borrowers should consider their financial situation carefully.
- APR
- 12.25–27.75%
- Amount
- R1k–R250k
- Term
- 6–84mo
Capitec offers a straightforward and competitive personal loan option for South Africans, particularly appealing due to its digital application process.
- APR
- 21.0–27.75%
- Amount
- R1k–R50k
- Term
- 3–24mo
Capfin offers accessible short-term loans for employed South Africans, ideal for those in need of quick financial support.