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Looking for a personal loan?

Realising your dreams - or paying for emergencies – is possible with a cash boost of up to R300,000. Our trusted partner, Sanlam, offers personalised interest rates, affordable instalments, and up to 72 months’ repayment terms.

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Whether you are facing a car repair crisis, unexpected medical bills, or a student loan limit, a personal loan can give you a quick cash injection at a customised interest rate. Based on an affordability assessment and your credit score, we offer instant feedback when you apply for a loan of up to R300,000.

Log in to JustMoney now, visit the Products tab, navigate to GET money, and click the View Offer button to see your FREE personal loan quote.

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You can also apply for online shopping credit with Mobicred, Truworths and Identity store accounts, and a Nedbank credit card.

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Quick guide to personal loans


Educational expenses

When used for good debt, such as a tertiary education, a personal loan can be a means of improving your earning capacity. We outline some pointers for those who are considering a personal loan.


Debt consolidation

If you’re struggling to meet your monthly debt repayments, a consolidation loan could be the answer you need. We consider what to ask before signing up for one of these.


Medical bills

Even with an emergency fund and adequate insurance, you may still land up with unexpected medical expenses. Chosen correctly, a personal loan could be among your better options.


Home renovations or repairs

Home renovations can greatly increase the value of your property. We consider whether, and when, a personal loan would be viable for funding these.


Funeral costs

Planning for the day a loved one dies can be difficult and emotive. Funeral cover pays out on the death of the insured, but the amount may not be sufficient to cover all expenses. A personal loan can help to bridge the shortfall, when considered carefully.


Unexpected expenses

It’s not wise to go into debt for luxuries or unnecessary expenses. Make sure you know the difference between good and bad debt before you take out a personal loan.

Articles and insights

Discover our comprehensive range of articles and insights on personal loans, designed to guide you through every feature of this crucial financial tool. From understanding the basics of personal loan procedures to navigating interest rates and repayment terms, our in-depth articles provide the knowledge you need to make informed decisions. Whether you're exploring personal loans for the first time or seeking advanced, expert-sourced insights, our content is designed to enhance your financial literacy. Explore and leverage our resources to confidently navigate your personal loan journey, and bring your financial goals within easy reach. Stay updated and get the most out of a personal loan today.

How to find the best personal loan for you

How to find the best personal loan for you

2 April 2023 · Helen Ueckermann

Personal loans are not created equal, and the loan amount, while important, is not the only criterion you should consider.

Is a personal loan a wise way to cover medical expenses?

Is a personal loan a wise way to cover medical expenses?

17 July 2022 · Fiona Zerbst

Healthcare is becoming increasingly expensive in South Africa. We consider whether a personal loan can be used to cover shortfalls.

Why take out a personal loan?

Why take out a personal loan?

14 July 2022 · Carlene Gardiner

We consider three ways in which personal loans can be used to your benefit, and whether this form of credit is something you should pursue.

Can you afford the loan you qualify for?

Can you afford the loan you qualify for?

13 April 2022 · Staff Writer

You’ve applied for a loan, and you find that you qualify – but can you afford it? The distinction may not have occurred to you, but it’s important to consider it before putting pen to paper.

Know the difference between a loan and a credit facility

Know the difference between a loan and a credit facility

7 November 2021 · Athenkosi Sawutana

Credit options can be separated into loans and credit facilities. We asked about the differences between them.

What are the interest rates on store accounts?

What are the interest rates on store accounts?

25 October 2021 · Staff Writer

Opening a store account is one of the easiest ways to build your credit score. Not surprisingly, a recent report by the National Credit Regulator (NCR) found store accounts to be among the most popular credit types for South African consumers - ...

How to fund a prototype for your start-up

How to fund a prototype for your start-up

21 October 2021 · Harper Banks

It’s quite an adventure to quit your job start your own business. But this decision also comes with a lot of risk. If the concept is new, it’s best to design a prototype before you jump into the deep end.

Is it worth the penalty to settle your personal loan early?

Is it worth the penalty to settle your personal loan early?

28 September 2021 · Harper Banks

If you have a personal loan, and you just received a bonus or an inheritance, you may be considering settling your loan in one go. However, did you know that this comes with penalties?

Are personal loans tax-deductible?

Are personal loans tax-deductible?

15 August 2021 · Harper Banks

If you belong to a medical aid scheme or you have a retirement fund, you can claim back a portion of your contributions from your annual taxes because these products are tax deductible.

View all Personal Loans articles

Videos and podcasts

Immerse yourself in our informative videos and podcasts. Whether you're a seasoned viewer or a curious newcomer, our multimedia content spans various topics and interests. These easily digestible videos and engaging podcasts bring expert opinions and thought-provoking discussions to your fingertips. Dive into our content pool today, and enhance your knowledge on the go. Stay updated and informed, and enjoy the learning journey.

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FAQs about personal loans in South Africa

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What are the eligibility criteria for a personal loan in South Africa?

Banks and other financial institutions follow certain eligibility criteria when approving personal loans. These include the applicant's age, employment status, credit history, and regular source of income. The applicant should be at least 18 years of age and a permanent resident of South Africa. They must have a regular source of income, either through employment or self-employment. The applicant's credit history is evaluated to determine their creditworthiness. A good credit history may lead to favourable loan terms, including lower interest rates and higher loan amounts.

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What are the interest rates for personal loans in South Africa?

The interest rates for personal loans in South Africa can vary greatly based on the lender, the borrower's credit score, and the loan term. The interest rate is contingent on several factors, including the lender's policies, the borrower's creditworthiness, and the loan term. Always check with the specific lender for the most accurate and up-to-date interest rates, and the National Credit Regulator (NCR) website, for interest rate limits.

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What is the process to apply for a personal loan in South Africa?

The loan application process in South Africa usually involves submitting an application form, and supporting documentation, undergoing a credit check, and finally, if approved, signing a loan agreement. Most banks and financial institutions offer both online and offline application methods. The application process generally starts with filling out an application form, which can usually be done online or at a branch. Following the application, the financial institution will conduct a credit check to assess the applicant's creditworthiness. If approved, the applicant will need to sign a loan agreement, after which the loan amount is disbursed.

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Can I get a personal loan in South Africa with a bad credit score?

Obtaining a personal loan with a bad credit score can be challenging, but is not impossible. Some lenders offer loans to individuals with a poor credit history, often with higher interest rates and stricter repayment terms. However, this can vary widely between lenders. Beware of unscrupulous lenders, who will offer credit to consumers who cannot afford it.

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What are the consequences of defaulting on a personal loan in South Africa?

Defaulting on personal loan repayments has severe consequences. It negatively impacts the borrower's credit score, making it difficult, and expensive, to obtain credit in the future. Lenders may take legal action to recover their money. If you are struggling to repay your loan, be sure to reach out to your creditor. They may be willing to offer more suitable repayment arrangements.

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