Compare personal loans

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

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Compare rates, terms, and total cost — all in one place.

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Letsatsi Finance

Letsatsi Finance Personal Loan

APR 24.0–27.75%
Amount
R500–R8k
Term
1–6 months
Approval
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.

FinChoice

FinChoice Personal Loan

APR 27.0–27.75%
Amount
R500–R50k
Term
1–36 months
Approval
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.

Absa

Absa Personal Loan

APR 12.0–27.75%
Amount
R2k–R300k
Term
6–72 months
Approval
1-2 business days

Best for: This loan is best for individuals with a high credit rating looking for manageable repayment terms.

Lender overview

Boodle Short-Term Loan

APR 36.0–60.0%
Amount
Term

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

Old Mutual

Old Mutual Personal Loan

APR 15.0–28.0%
Amount
R5k–R200k
Term
12–60 months
Approval
1-3 business days

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

Bayport Financial Services

Bayport Personal Loan for Government Employees

APR 18.0–27.75%
Amount
R2k–R250k
Term
6–60 months
Approval
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.

Sanlam Credit Solutions

Sanlam Credit Solutions Personal Loan

APR 15.0–27.29%
Amount
R2k–R200k
Term
6–60 months
Approval
1-2 business days

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

FNB (First National Bank)

FNB Personal Loan with eBucks Rewards

APR 12.0–27.75%
Amount
R1k–R300k
Term
6–72 months
Approval
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.

TymeBank

TymeBank Personal Loan

APR 15.0–27.75%
Amount
R500–R100k
Term
3–36 months
Approval
Same day

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

Nedbank

Nedbank Personal Loan

APR 10.25–27.75%
Amount
R2k–R300k
Term
6–72 months
Approval
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.

Capfin

Capfin Personal Loan

APR 21.0–27.75%
Amount
R1k–R50k
Term
1–24 months
Approval
Same day

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

Fasta

Fasta Personal Loan

APR 24.0–27.75%
Amount
R500–R8k
Term
1–6 months
Approval
Minutes

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

Standard Bank

Standard Bank Personal Loan

APR 12.25–29.25%
Amount
R2k–R300k
Term
6–72 months
Approval
Same day

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

Capitec Bank

Capitec Personal Loan

APR 12.25–27.75%
Amount
R1k–R250k
Term
6–84 months
Approval
Same day

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