Personal Loans South Africa
Compare personal loans from leading banks and registered credit providers. Rates from 12.5% p.a. Free — no credit impact to compare.
R500–R500K
Loan Range
From 12.5%
Interest Rate p.a.
24–84 months
Loan Terms
Same Day
Fastest Approval
Request a personal loan quote
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What Can You Use a Personal Loan For?
Personal loans are unstructured — use them for almost any purpose
Home Improvement
Renovations, repairs, additions
Education
Tuition, courses, skills training
Debt Consolidation
Combine multiple debts, lower rate
Medical Expenses
Dental, surgical, emergency care
Vehicle Repair
Accident repairs, new tyres, service
Funeral Costs
Cover unexpected funeral expenses
How Finance EzyFind Works
Tell us what you need
Enter loan amount, purpose and your income details. Takes under 2 minutes.
We match you instantly
Our platform finds lenders whose criteria match your profile — no hard credit check.
Compare real offers
See rates, terms and monthly repayments side by side from matched lenders.
Apply with your chosen lender
Submit directly — approval notifications often arrive within hours.
Top Personal Loan Providers
| Lender | Min / Max | Interest Rate | Max Term | Key Benefit |
|---|---|---|---|---|
| African Bank | R500 – R350,000 | From 15% | Up to 72 months | No collateral required |
| Capitec Bank | R1,000 – R500,000 | From 12.5% | Up to 84 months | Instant approval app |
| Nedbank Personal Loan | R2,000 – R300,000 | From 14.75% | Up to 72 months | Online application |
| Standard Bank | R3,000 – R300,000 | From 13.25% | Up to 72 months | Existing client benefits |
* Rates are indicative as at April 2026. Final rate depends on credit assessment and affordability test.
Know Before You Apply
Use our calculators to understand your repayments and affordability before submitting a loan application.
Personal Loan FAQs
What is the maximum personal loan amount in South Africa?+
Most banks offer personal loans up to R300,000–R500,000. The exact amount depends on your gross income, credit score, and existing debt obligations (NCA affordability test).
What is the current personal loan interest rate in South Africa?+
Personal loan rates range from 12.5% to 35.95% per annum, depending on your credit profile and the lender. The National Credit Act caps rates at repo × 2.2 + 20% for unsecured credit (35.95% at the October 2026 repo rate of 7.25%).
Can I get a personal loan if I have a bad credit score?+
Yes — some lenders specialise in credit-impaired applicants, though rates will be higher. We recommend first using the affordability calculator to understand what you can responsibly borrow.
How do I improve my chances of personal loan approval?+
Maintain a clean payment record, reduce existing debt, ensure your expenses are below 50% of your net income, and apply for an amount you can comfortably afford.
Personal Loans by Province
Personal Loans by Province
Find personal loan options and rates in your province
Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.
Download the Finance EzyFind App
A simpler way to prepare your application
Finance EzyFind acts as an aggregator. Complete one application and we submit it to suitable banks and finance providers on your behalf, much like a bond originator does for home loans. You do not need to start a separate application with each provider. For supported home-loan applications, AI can read documents such as bank statements and payslips, fill in details it can identify, and summarize income, expenses, and affordability for you to check. You stay in control and should correct anything that is missing or wrong.
For home-loan requests, the affordability summary can help you discuss practical ways to strengthen your application over the next month, three months, or six months. These are planning timeframes, not a promise of approval; document analysis and provider requirements vary by product.