✦ This loan is best for individuals who require immediate access to funds and can repay within a short timeframe.
APR
36.0–38%
/yr
Amount
R1k–R7.2k
Term
2–2mo
Decision
Within 24 hours
Loan Comparison
Compare personal loans
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Representative APR disclosed
Licensed lenders
Recently added
Standard Bank Personal Loan
Personal✦ This loan is best for individuals with a good credit rating looking for a substantial amount with extended repayment periods.
APR
12.25–29.25%
/yr
Amount
R2k–R300k
Term
6–72mo
Decision
Same day
✦ This loan is best for individuals facing immediate financial needs who can repay within 90 days.
APR
36.0–60.0%
/yr
Amount
R500–R8k
Term
≤3mo
Decision
Same day
RCS Personal Loan
PersonalAPR
15.0–27.75%
/yr
Amount
R1k–R100k
Term
6–60mo
Decision
1-2 business days
✦ This loan is best for individuals needing immediate funds, especially for unexpected expenses.
APR
36.0–60.0%
/yr
Amount
R500–R8k
Term
1–6mo
Decision
Under 15 minutes
Capitec Personal Loan
Personal✦ Ideal for clients seeking a quick, fully digital loan process with personalised rates.
APR
12.25–27.75%
/yr
Amount
R1k–R250k
Term
6–84mo
Decision
Same day
✦ This loan is best for South Africans needing immediate cash flow solutions for unexpected expenses.
APR
36.0–60.0%
/yr
Amount
R500–R8k
Term
≤3mo
Decision
Same day (apply by 3pm)
Letsatsi Finance Personal Loan
Personal✦ This service is best for South Africans seeking immediate financial relief or those needing a larger loan with easy access through branches or online.
APR
24.0–27.75%
/yr
Amount
R500–R8k
Term
1–6mo
Decision
Same day
✦ This loan is best for individuals needing urgent financial assistance with a manageable repayment plan.
APR
36–60%
/yr
Amount
R4k–R8k
Term
1–6mo
Decision
Minutes
Fasta Personal Loan
Personal✦ This loan is best for individuals needing quick access to funds with a flexible repayment structure.
APR
24.0–27.75%
/yr
Amount
R500–R8k
Term
1–6mo
Decision
Minutes
✦ Ideal for individuals looking for substantial loan amounts with the possibility of insurance-backed options.
APR
15.0–27.29%
/yr
Amount
R2k–R200k
Term
6–60mo
Decision
1-2 business days
Absa Personal Loan
Personal✦ This loan is best for individuals with a high credit rating looking for manageable repayment terms.
APR
12.0–27.75%
/yr
Amount
R2k–R300k
Term
6–72mo
Decision
1-2 business days
TymeBank Personal Loan
Personal✦ This loan is ideal for those seeking quick access to funds without traditional paperwork, particularly for emergencies or large purchases.
APR
15.0–27.75%
/yr
Amount
R500–R100k
Term
3–36mo
Decision
Same day
✦ This loan is best for government workers and pensioners looking for hassle-free access to funds with automatic deductions from their salaries.
APR
18.0–27.75%
/yr
Amount
R2k–R250k
Term
6–60mo
Decision
1-3 business days
DirectAxis Personal Loan
Personal✦ This loan is best for individuals seeking a fixed-rate personal loan with flexibility in loan amounts and repayment terms.
APR
15.0–27.75%
/yr
Amount
R2k–R250k
Term
6–72mo
Decision
1-2 business days
Old Mutual Personal Loan
Personal✦ This loan is best for individuals with a high credit tier looking for affordable and transparent borrowing solutions.
APR
15.0–28.0%
/yr
Amount
R5k–R200k
Term
12–60mo
Decision
1-3 business days
Capfin Personal Loan
Personal✦ This loan is best for individuals seeking immediate cash for personal expenses and who may have lower credit ratings.
APR
21.0–27.75%
/yr
Amount
R1k–R50k
Term
1–24mo
Decision
Same day
Finbond Mutual Bank Personal Loan
Personal✦ Ideal for individuals seeking short-term financial solutions with flexible repayment options.
APR
21.0–27.75%
/yr
Amount
R500–R25k
Term
1–24mo
Decision
Same day
✦ This loan is best for individuals with strong credit profiles looking for flexibility in loan terms and the added benefit of rewards.
APR
12.0–27.75%
/yr
Amount
R1k–R300k
Term
6–72mo
Decision
Same day
Nedbank Personal Loan
Personal✦ This loan is best for individuals looking for affordable borrowing options up to R400,000 with an established bank and a reliable rewards system.
APR
10.25–27.75%
/yr
Amount
R2k–R300k
Term
6–72mo
Decision
1-2 business days