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Partner terms and conditions

You confirm that:

1. You are not currently over-indebted.
2. You are not under administration, sequestration or debt review and have not been declared mentally unfit by an order of court.
3. All information you give us is true and correct.
4. You will ensure that you have read and understood the terms and conditions that follow before accepting any loan amount that you may be offered.

You agree that DirectAxis may:

1. Check and verify any information that we need in connection with this agreement.
2. May contact you by SMS or email about this or future applications.

English: You confirm that you are able to read and fully understand English. If you cannot read English or do not fully understand English, you should not carry on with this online personal loan application and should call us to apply in one of the other languages we support namely Afrikaans, Xhosa, Zulu or Sesotho.

Afrikaans: U bevestig dat u Engels kan lees en Engels ten volle verstaan. Indien u nie Engels kan lees nie, óf Engels nie ten volle verstaan nie, moet u asseblief nie met hierdie aanlyn aansoek om ‘n persoonlike lening voortgaan nie. Skakel ons eerder: ons kan u telefonies in Afrikaans, Xhosa, Zulu of Sotho help om u aansoek te voltooi.

Zulu: Uyaqinisekisa ukuthi uyakwazi ukufunda isiNgisi futhi usiqonda ngokuphelele. Uma ungakwazi ukufunda isiNgisi noma ungasiqondi ngokuphelele isiNgisi, akumele uqhubeke nokufaka isicelo sokubolekwa imali nge-inthanethi kodwa esikhundleni salokho kumele usifonele ukuze ufake isicelo sakho ngolunye lwezilimi esizisebenzisayo, isiBhunu, isiXhosa, isiZulu kanye neSesotho.

Sesotho: O netefatsa hore o kgona ho bala mme o utlwisisa Senyesemane ka botlalo. Haeba o sa kgone ho bala Senyesemane kapa o sa utlwisise Senyesemane ka botlalo, o tlameha ho se tswele pele ka kopo ena ya mokitlane wa motho ya inthaneteng mme o re letsetse ho etsa kopo ka e nngwe ya tse ding tsa dipuo tseo re di sebedisang, e leng Afrikanse, Sexhosa, Sezulu kapa Sesotho.

Xhosa: Uqinisekisa ukuba uyakwazi ukusithetha isiNgesi kwaye usiqonda ngokupheleleyo. Ukuba awukwazi ukusifunda isiNgesi okanye awusiqondi ngokupheleleyo, akufuneki uqhubeke ngesi sicelo semali-mboleko sifumaneka kwikhompyutha kwaye kufuneka ufake isicelo ngezinye iilwimi esizixhasayo ezizezi, isiBhulu, isiXhosa, isiZulu okanye isiSuthu.

Monthly Loan Repayments

Note: Loan repayment terms can range from 3 to 84 months (risk profile dependent). The interest rate is typically 15% - 28.5% per annum (compounded monthly). An illustrative example of a loan at an interest rate of 25.75% per annum: The loan amount is R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69, over 72 months. This means that the total cost of the loan will be R102 085.93, which is a maximum Annual Percentage Rate (APR) of 27.29%.

Loans from Sanlam Personal Loans (Pty) Ltd, a Registered Credit Provider (NCRCP272) are administered and managed by Direct Axis SA (Pty) Ltd Reg no. 1995/006077/07, an Authorised Financial Services Provider (FSP 7249).

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