Money Guids

Compare personal loans

Compare rates, funding speed, and repayment ranges in a cleaner side-by-side format before you commit.

APR context
Rate ranges
Decision speed
Funding timing
Repayment fit
Term range

Browse by need

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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.

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.

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.

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.

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.

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.

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.

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.

Personal
APR 12.0–27.75%
Amount R2k–R300k
Term 6–72 mo
Speed ⚡ 1-2 business days

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

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.

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.

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.

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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