Compare personal loans

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

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APR 15.0%

DirectAxis Personal Loan

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

Amount: R2k–R250k
Term: 6–72 months
Type: personal

APR 36.0%

Finance27

Finance27 Short-Term Loan

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

Amount: R1k–R7.2k
Term: 2–2 months
Type: short_term

APR 27.0%

FinChoice

FinChoice Personal Loan

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

Amount: R500–R50k
Term: 1–36 months
Type: personal

APR 36%

Boodle Short-Term Loan

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

Amount: R4k–R8k
Term: 1–6 months
Type: short_term

APR 21.0%

Capfin

Capfin Personal Loan

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

Amount: R1k–R50k
Term: 1–24 months
Type: personal

APR 36.0%

Mulah

Mulah Short-Term Loan

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

Amount: R500–R8k
Type: short_term

APR 10.25%

Nedbank

Nedbank Personal Loan

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

Amount: R2k–R300k
Term: 6–72 months
Type: personal

APR 36.0%

Wonga

Wonga Short-Term Loan

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

Amount: R500–R8k
Term: 1–6 months
Type: short_term

APR 12.25%

Capitec Bank

Capitec Personal Loan

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

Amount: R1k–R250k
Term: 6–84 months
Type: personal

APR 36.0%

Lime24 Short-Term Loan

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

Amount: R500–R8k
Type: short_term

APR 18.0%

Bayport Financial Services

Bayport Personal Loan for Government Employees

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

Amount: R2k–R250k
Term: 6–60 months
Type: personal

APR 21.0%

Finbond Mutual Bank

Finbond Mutual Bank Personal Loan

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

Amount: R500–R25k
Term: 1–24 months

APR 12.25%

Standard Bank

Standard Bank Personal Loan

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

Amount: R2k–R300k
Term: 6–72 months
Type: personal

APR 12.0%

FNB (First National Bank)

FNB Personal Loan with eBucks Rewards

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

Amount: R1k–R300k
Term: 6–72 months
Type: personal

APR 15.0%

Sanlam Credit Solutions

Sanlam Credit Solutions Personal Loan

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

Amount: R2k–R200k
Term: 6–60 months
Type: personal

APR 24.0%

Fasta

Fasta Personal Loan

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

Amount: R500–R8k
Term: 1–6 months
Type: personal

APR 15.0%

TymeBank

TymeBank Personal Loan

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

Amount: R500–R100k
Term: 3–36 months
Type: personal

APR 24.0%

Letsatsi Finance

Letsatsi Finance Personal Loan

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

Amount: R500–R8k
Term: 1–6 months
Type: personal

APR 15.0%

Old Mutual

Old Mutual Personal Loan

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

Amount: R5k–R200k
Term: 12–60 months
Type: personal

APR 12.0%

Absa

Absa Personal Loan

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

Amount: R2k–R300k
Term: 6–72 months
Type: personal

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Personal Loan Picks for Every Budget This September

Explore top personal loans with APRs from 10.25% to 27.75%. Find the right fit for your financial goals with flexible terms and competitive rates.