Compare personal loans

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

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Wonga Short-Term Loan

Provider: Wonga
Min APR %: 36%
Max APR %: 60%
Min Amount: ZAR 500
Max Amount: ZAR 8,000
Min Term (months): 3 months
Max Term (months): 6 months
Approval Time: Under 15 minutes
Requirements: Cellphone number, SA ID number, bank account details, most recent proof of income
Type: Short_term

Fasta Personal Loan

Provider: Fasta
Min APR %: 24%
Max APR %: 27.75%
Min Amount: ZAR 500
Max Amount: ZAR 8,000
Min Term (months): 3 months
Max Term (months): 6 months
Approval Time: Minutes
Requirements: South African ID, Age 18+, Bank account
Type: Personal

Boodle Short-Term Loan

Min APR %: 36%
Max APR %: 60%
Min Amount: ZAR 4,000
Max Amount: ZAR 8,000
Min Term (months): 3 months
Max Term (months): 6 months
Approval Time: Minutes
Requirements: Valid SA ID, internet banking access, verifiable income (90 days), 18+ years
Type: Short_term

Capfin Personal Loan

Provider: Capfin
Min APR %: 21%
Max APR %: 27.75%
Min Amount: ZAR 1,000
Max Amount: ZAR 50,000
Min Term (months): 3 months
Max Term (months): 24 months
Approval Time: Same day
Requirements: South African ID, Age 18+, Regular salary of R2,000+
Type: Personal

Finance27 Short-Term Loan

Provider: Finance27
Min APR %: 36%
Max APR %: 38%
Min Amount: ZAR 1,000
Max Amount: ZAR 7,200
Min Term (months): 2 months
Max Term (months): 2 months
Approval Time: Within 24 hours
Requirements: SA resident, 18+, employed, valid bank account, pass credit checks
Type: Short_term

FNB Personal Loan with eBucks Rewards

Provider: FNB (First National Bank)
Min APR %: 12%
Max APR %: 27.75%
Min Amount: ZAR 1,000
Max Amount: ZAR 300,000
Min Term (months): 6 months
Max Term (months): 72 months
Approval Time: Same day
Requirements: South African ID, Age 18+, FNB account, Regular income
Type: Personal

Mulah Short-Term Loan

Provider: Mulah
Min APR %: 36%
Max APR %: 60%
Min Amount: ZAR 500
Max Amount: ZAR 8,000
Min Term (months): 3 months
Max Term (months): 3 months
Approval Time: Same day (apply by 3pm)
Requirements: Cellphone number, SA ID number, bank account details, latest 3 months bank statements (showing 3 salary deposits)
Type: Short_term

Letsatsi Finance Personal Loan

Provider: Letsatsi Finance
Min APR %: 24%
Max APR %: 27.75%
Min Amount: ZAR 500
Max Amount: ZAR 8,000
Min Term (months): 3 months
Max Term (months): 6 months
Approval Time: Same day
Requirements: South African ID, Age 18+, Employed with R2,500+ salary
Type: Personal

Lime24 Short-Term Loan

Min APR %: 36%
Max APR %: 60%
Min Amount: ZAR 500
Max Amount: ZAR 8,000
Min Term (months): 3 months
Max Term (months): 3 months
Approval Time: Same day
Requirements: Cellphone number, SA ID, bank account details, latest 3 months bank statements (showing 3 salary deposits)
Type: Short_term

Finbond Mutual Bank Personal Loan

Provider: Finbond Mutual Bank
Min APR %: 21%
Max APR %: 27.75%
Min Amount: ZAR 500
Max Amount: ZAR 25,000
Min Term (months): 3 months
Max Term (months): 24 months
Approval Time: Same day
Requirements: South African ID, Age 18+, Regular income

DirectAxis Personal Loan

Provider: DirectAxis
Min APR %: 15%
Max APR %: 27.75%
Min Amount: ZAR 2,000
Max Amount: ZAR 250,000
Min Term (months): 6 months
Max Term (months): 72 months
Approval Time: 1-2 business days
Requirements: South African ID, Age 18+, Regular income, Minimum R3,000 salary
Type: Personal

FinChoice Personal Loan

Provider: FinChoice
Min APR %: 27%
Max APR %: 27.75%
Min Amount: ZAR 500
Max Amount: ZAR 50,000
Min Term (months): 3 months
Max Term (months): 36 months
Approval Time: Same day
Requirements: South African ID, Age 18+, Regular salary
Type: Personal

Capitec Personal Loan

Provider: Capitec Bank
Min APR %: 12.25%
Max APR %: 27.75%
Min Amount: ZAR 1,000
Max Amount: ZAR 250,000
Min Term (months): 6 months
Max Term (months): 84 months
Approval Time: Same day
Requirements: South African ID, Age 18+, Regular income
Type: Personal

Nedbank Personal Loan

Provider: Nedbank
Min APR %: 10.25%
Max APR %: 27.75%
Min Amount: ZAR 2,000
Max Amount: ZAR 300,000
Min Term (months): 6 months
Max Term (months): 72 months
Approval Time: 1-2 business days
Requirements: South African ID, Age 18+, Regular income
Type: Personal

TymeBank Personal Loan

Provider: TymeBank
Min APR %: 15%
Max APR %: 27.75%
Min Amount: ZAR 500
Max Amount: ZAR 100,000
Min Term (months): 3 months
Max Term (months): 36 months
Approval Time: Same day
Requirements: South African ID, Age 18+, TymeBank account, Regular income
Type: Personal

Standard Bank Personal Loan

Provider: Standard Bank
Min APR %: 12.25%
Max APR %: 29.25%
Min Amount: ZAR 2,000
Max Amount: ZAR 300,000
Min Term (months): 6 months
Max Term (months): 72 months
Approval Time: Same day
Requirements: South African ID, Age 18+, Standard Bank account, Regular income
Type: Personal

Bayport Personal Loan for Government Employees

Provider: Bayport Financial Services
Min APR %: 18%
Max APR %: 27.75%
Min Amount: ZAR 2,000
Max Amount: ZAR 250,000
Min Term (months): 6 months
Max Term (months): 60 months
Approval Time: 1-3 business days
Requirements: South African ID, Age 18+, Regular income
Type: Personal

RCS Personal Loan

Provider: RCS Financial Services
Min APR %: 15%
Max APR %: 27.75%
Min Amount: ZAR 1,000
Max Amount: ZAR 100,000
Min Term (months): 6 months
Max Term (months): 60 months
Approval Time: 1-2 business days
Requirements: South African ID, Age 18+, Regular income
Type: Personal

Absa Personal Loan

Provider: Absa
Min APR %: 12%
Max APR %: 27.75%
Min Amount: ZAR 2,000
Max Amount: ZAR 300,000
Min Term (months): 6 months
Max Term (months): 72 months
Approval Time: 1-2 business days
Requirements: South African ID, Age 18+, Regular income, Proof of address
Type: Personal

Old Mutual Personal Loan

Provider: Old Mutual
Min APR %: 15%
Max APR %: 28%
Min Amount: ZAR 5,000
Max Amount: ZAR 200,000
Min Term (months): 12 months
Max Term (months): 60 months
Approval Time: 1-3 business days
Requirements: South African ID, Age 18+, Employed with R3,000+ salary
Type: Personal