Log in to JustMoney, go to your Solutions page, scroll down to “GET money”, and click the “View Offer” (Sanlam) or “Apply Now” (Capfin) buttons to see your free personal loan quote. We’ll provide instant feedback based on your affordability and credit score. You can also apply for online shopping credit with Mobicred, an Identity store account, and a Nedbank credit card.
How personal loans work
What are personal loans?
Personal loans are unsecured loans that provide a lump sum of money for you to use for anything from medical emergencies to home upgrades.
With flexible repayment terms and competitive interest rates, personal loans offer a convenient way to manage your finances wisely.
Here’s what you can expect from a personal loan through JustMoney:
- Capfin loans: 5% to 27.75% interest rate, depending on your credit score and affordability; six to 12 months’ repayment term.
- Sanlam loans: 16% to 28% interest rate, depending on your credit score and affordability; up to 84 months’ repayment term.
How to apply for a personal loan
- Sign up: Register on the JustMoney platform to apply.
- Apply online: Complete an easy application form in minutes.
- Get your application result: Our trusted partners will review your information and let you know if you’re approved – usually within a few days.
- Receive your funds: Once approved, the money will be transferred into your bank account.
Why apply for a loan with JustMoney’s partners?
Reputable financial institutions
At JustMoney, we partner with trusted lenders to offer personal loans tailored to your needs and budget.
Our platform provides an instant indication of how likely it is that you will qualify for a loan. This helps you make good money choices upfront.
Competitive interest rates
Our partners offer interest rates designed to be competitive, helping you reduce the total amount you repay over the loan term.
Flexible repayment options
Whether you’re able to pay back your loan quickly or need more time, you’ll find options that work for you.
Transparent terms
At JustMoney, there are no hidden fees. We explain everything upfront, so you know exactly what you’re signing up for.
Borrowing is now faster, simpler, and more convenient.
Credit score insights
When you apply for a personal loan through JustMoney, you’ll see your credit score upfront – along with insights into how it affects your chances of getting approved.
We help you understand how your credit profile influences the loan offers you receive, so you can make informed borrowing decisions.
This allows you to stay in control of your financial future.
What you need to apply for a personal loan
To apply for a personal loan via JustMoney, you must be:
- At least 18 years old
- Permanently employed, with three months’ payslips or bank statements as proof of income
- A South African citizen or permanent resident with a valid ID document or smart ID card
If you apply for a personal loan, JustMoney’s partners will conduct an affordability assessment to ensure you can manage the monthly repayments.
A healthy credit record stands you in good stead when applying for a loan.
