Wonga Short-Term Loan APR 36.0–60.0% Amount — Term — Decision — Best for: This loan is best for individuals needing immediate funds, especially for unexpected expenses. Check rates →
Capfin Personal Loan Personal APR 21.0–27.75% Amount R1k–R50k Term 1–24 mo Decision Same day Best for: This loan is best for individuals seeking immediate cash for personal expenses and who may have lower credit ratings. Check rates →
Boodle Short-Term Loan APR 36.0–60.0% Amount — Term — Decision — Best for: This loan is best for individuals needing urgent financial assistance with a manageable repayment plan. Check rates →
Bayport Personal Loan for Government Employees Personal APR 18.0–27.75% Amount R2k–R250k Term 6–60 mo Decision 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. Check rates →
Lime24 Short-Term Loan APR 36.0–60.0% Amount — Term — Decision — Best for: This loan is best for individuals facing immediate financial needs who can repay within 90 days. Check rates →
Letsatsi Finance Personal Loan Personal APR 24.0–27.75% Amount R500–R8k Term 1–6 mo Decision 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. Check rates →
Finance27 Short-Term Loan APR 36.0–60.0% Amount — Term — Decision — Best for: This loan is best for individuals who require immediate access to funds and can repay within a short timeframe. Check rates →
Standard Bank Personal Loan Personal APR 12.25–29.25% Amount R2k–R300k Term 6–72 mo Decision Same day Best for: This loan is best for individuals with a good credit rating looking for a substantial amount with extended repayment periods. Check rates →
Mulah Short-Term Loan APR 36.0–60.0% Amount — Term — Decision — Best for: This loan is best for South Africans needing immediate cash flow solutions for unexpected expenses. Check rates →
DirectAxis Personal Loan Personal APR 15.0–27.75% Amount R2k–R250k Term 6–72 mo Decision 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. Check rates →
Finbond Mutual Bank Personal Loan Personal APR 21.0–27.75% Amount R500–R25k Term 1–24 mo Decision Same day Best for: Ideal for individuals seeking short-term financial solutions with flexible repayment options. Check rates →
Fasta Personal Loan Personal APR 24.0–27.75% Amount R500–R8k Term 1–6 mo Decision Minutes Best for: This loan is best for individuals needing quick access to funds with a flexible repayment structure. Check rates →
Capitec Personal Loan Personal APR 12.25–27.75% Amount R1k–R250k Term 6–84 mo Decision Same day Best for: Ideal for clients seeking a quick, fully digital loan process with personalised rates. Check rates →
FinChoice Personal Loan Personal APR 27.0–27.75% Amount R500–R50k Term 1–36 mo Decision 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. Check rates →
Sanlam Credit Solutions Personal Loan Personal APR 15.0–27.29% Amount R2k–R200k Term 6–60 mo Decision 1-2 business days Best for: Ideal for individuals looking for substantial loan amounts with the possibility of insurance-backed options. Check rates →
Absa Personal Loan Personal APR 12.0–27.75% Amount R2k–R300k Term 6–72 mo Decision 1-2 business days Best for: This loan is best for individuals with a high credit rating looking for manageable repayment terms. Check rates →
FNB Personal Loan with eBucks Rewards Personal APR 12.0–27.75% Amount R1k–R300k Term 6–72 mo Decision 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. Check rates →
Old Mutual Personal Loan Personal APR 15.0–28.0% Amount R5k–R200k Term 12–60 mo Decision 1-3 business days Best for: This loan is best for individuals with a high credit tier looking for affordable and transparent borrowing solutions. Check rates →
Nedbank Personal Loan Personal APR 10.25–27.75% Amount R2k–R300k Term 6–72 mo Decision 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. Check rates →
TymeBank Personal Loan Personal APR 15.0–27.75% Amount R500–R100k Term 3–36 mo Decision Same day Best for: This loan is ideal for those seeking quick access to funds without traditional paperwork, particularly for emergencies or large purchases. Check rates →