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Compare personal loans

Estimated APR, monthly payment ranges, and repayment terms — side by side. Rates may vary by lender.

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No guaranteed approval. Compare total cost including fees before proceeding. Continue to lender or partner for full terms.

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Mulah Short-Term Loan

Mulah

APR 36.0–60.0%
Amount R500–R8k
Speed ⚡ Same day (apply by 3pm)

Best for: This loan is best for South Africans needing immediate cash flow solutions for unexpected expenses.

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DirectAxis Personal Loan

DirectAxis

Personal
APR 15.0–27.75%
Amount R2k–R250k
Term 6–72 mo
Speed ⚡ 1-2 business days

Best for: This loan is best for individuals seeking a fixed-rate personal loan with flexibility in loan amounts and repayment terms.

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Finance27 Short-Term Loan

Finance27

APR 36.0–38%
Amount R1k–R7.2k
Term 2–2 mo
Speed ⚡ Within 24 hours

Best for: This loan is best for individuals who require immediate access to funds and can repay within a short timeframe.

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TymeBank Personal Loan

TymeBank

Personal
APR 15.0–27.75%
Amount R500–R100k
Term 3–36 mo
Speed ⚡ Same day

Best for: This loan is ideal for those seeking quick access to funds without traditional paperwork, particularly for emergencies or large purchases.

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Wonga Short-Term Loan

Wonga

APR 36.0–60.0%
Amount R500–R8k
Term 1–6 mo
Speed ⚡ Under 15 minutes

Best for: This loan is best for individuals needing immediate funds, especially for unexpected expenses.

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FinChoice Personal Loan

FinChoice

Personal
APR 27.0–27.75%
Amount R500–R50k
Term 1–36 mo
Speed ⚡ Same day

Best for: This loan is best for individuals needing quick cash for unexpected expenses who appreciate the option to skip payments during tough times.

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Boodle Short-Term Loan

APR 36–60%
Amount R4k–R8k
Term 1–6 mo
Speed ⚡ Minutes

Best for: This loan is best for individuals needing urgent financial assistance with a manageable repayment plan.

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Bayport Personal Loan for Government Employees

Bayport Financial Services

Personal
APR 18.0–27.75%
Amount R2k–R250k
Term 6–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is best for government workers and pensioners looking for hassle-free access to funds with automatic deductions from their salaries.

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Capfin Personal Loan

Capfin

Personal
APR 21.0–27.75%
Amount R1k–R50k
Term 1–24 mo
Speed ⚡ Same day

Best for: This loan is best for individuals seeking immediate cash for personal expenses and who may have lower credit ratings.

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Nedbank Personal Loan

Nedbank

Personal
APR 10.25–27.75%
Amount R2k–R300k
Term 6–72 mo
Speed ⚡ 1-2 business days

Best for: This loan is best for individuals looking for affordable borrowing options up to R400,000 with an established bank and a reliable rewards system.

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Fasta Personal Loan

Fasta

Personal
APR 24.0–27.75%
Amount R500–R8k
Term 1–6 mo
Speed ⚡ Minutes

Best for: This loan is best for individuals needing quick access to funds with a flexible repayment structure.

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Capitec Personal Loan

Capitec Bank

Personal
APR 12.25–27.75%
Amount R1k–R250k
Term 6–84 mo
Speed ⚡ Same day

Best for: Ideal for clients seeking a quick, fully digital loan process with personalised rates.

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Sanlam Credit Solutions Personal Loan

Sanlam Credit Solutions

Personal
APR 15.0–27.29%
Amount R2k–R200k
Term 6–60 mo
Speed ⚡ 1-2 business days

Best for: Ideal for individuals looking for substantial loan amounts with the possibility of insurance-backed options.

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Old Mutual Personal Loan

Old Mutual

Personal
APR 15.0–28.0%
Amount R5k–R200k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is best for individuals with a high credit tier looking for affordable and transparent borrowing solutions.

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Letsatsi Finance Personal Loan

Letsatsi Finance

Personal
APR 24.0–27.75%
Amount R500–R8k
Term 1–6 mo
Speed ⚡ Same day

Best for: This service is best for South Africans seeking immediate financial relief or those needing a larger loan with easy access through branches or online.

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Standard Bank Personal Loan

Standard Bank

Personal
APR 12.25–29.25%
Amount R2k–R300k
Term 6–72 mo
Speed ⚡ Same day

Best for: This loan is best for individuals with a good credit rating looking for a substantial amount with extended repayment periods.

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FNB Personal Loan with eBucks Rewards

FNB (First National Bank)

Personal
APR 12.0–27.75%
Amount R1k–R300k
Term 6–72 mo
Speed ⚡ Same day

Best for: This loan is best for individuals with strong credit profiles looking for flexibility in loan terms and the added benefit of rewards.

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