Products
PEP Personal Loans
You can walk into a PEP store with your ID and three payslips and walk out having applied for a loan of up to R50,000. It is one of the most accessible ways to apply for credit in South Africa, and for many people it is the only lender within walking distance of home. But the loan is not a PEP loan in the strict sense. PEP is the shopfront. The credit provider is Capfin, and the agreement, the interest and the debit order all belong to Capfin. Knowing that changes what you should compare, what you should ask in store, and where you go if something goes wrong.
RCS Personal Loan
RCS offers unsecured personal loans from R2,000 to R300,000, repayable over 12 to 60 months. Interest starts at 15% a year and is fixed for the full term, and RCS says approved money can reach your account in as little as 15 minutes. The application is online and paperless, with a provisional answer in minutes.
Old Mutual Personal Loan
Old Mutual offers unsecured personal loans of up to R250,000, repayable over 3 to 72 months at a rate fixed for the full term. You can apply online, in a branch, over the phone or on WhatsApp, and Old Mutual says approved loans are paid out within 24 hours. The lender is Old Mutual Finance (RF) (Pty) Ltd, a registered credit provider under NCRCP35.
SmartSolve Finance Personal Loan
SmartSolve Finance offers short-term personal loans from R3,000 to R6,000 with repayment terms of 3 to 5 months. With a fixed interest rate, no hidden fees, and no forced credit insurance, SmartSolve is designed to help you bridge a temporary cash flow gap quickly and transparently. SmartSolve Finance is a JustMoney-approved lender.
Capfin Personal Loan
Capfin offers affordable personal loans of up to R50,000 with fixed interest rates and repayment terms of 6 to 24 months. Part of the Pepkor Group, Capfin provides a simple online application process with funds typically disbursed within 48 hours of approval.
Sanlam Personal Loan
The Sanlam Personal Loan lets you borrow between R5,000 and R350,000 with flexible repayment terms of up to 84 months. Backed by one of South Africa’s most established financial services brands, this unsecured personal loan comes with a fixed interest rate and an included Personal Protection Plan. Find out more about the Sanlam Personal Loan via JustMoney.
Absa Personal Loan
Learn about Absa personal loans in South Africa, including interest rates, fees, benefits and how to apply for flexible funding of up to R350,000.
Nedbank Personal Loan
Learn about Nedbank personal loans in South Africa, including interest rates, fees, Greenbacks rewards, optional credit life and how to apply.
Standard Bank Personal Loan
Learn about Standard Bank personal loans in South Africa, including interest rates, fees, benefits and how to apply for a term loan of up to R300,000.
DirectAxis Personal Loan
Learn about DirectAxis personal loans in South Africa, including interest rates, fees, debt consolidation, benefits and how to apply for up to R350,000.
Nedbank 32 Day Notice Account
The Nedbank 32Day Notice Account helps you grow your savings with competitive interest rates while keeping your money accessible with a simple 32-day notice period. Find out if this investment account suits your financial goals. Earn above-average interest rates that increase as your balance grows.
African Bank Personal Loan
African Bank offers personal loans of up to R350,000 to qualifying applicants, with a lowest advertised interest rate of 15% per annum and flexible repayment terms of up to 72 months. As a specialist lender focused on unsecured credit, African Bank combines personalised interest rates with fixed monthly repayments and a fully digital application process.