Fees & details
Fees & insurance
Express Loan has its own costs and insurance requirements. Personal Loan tariffs are not automatically applied to it.
- Initiation fee
- An initiation fee applies, but the Express Loan page does not state the amount, formula or VAT treatment. Confirm it in your quote.
- Monthly service fee
- Service fees apply, but the Express Loan page does not publish a monthly amount or VAT breakdown.
- Credit life / protection
- Credit protection is required. You may replace it with your own suitable existing credit life policy that stays in force for the full loan agreement. The premium and calculation basis are not published on the reviewed page; request the policy schedule.
Before you apply
- 18 or older; SA ID and proof of address
- At least R1,500 monthly income
- Transactional account active for at least three months
- Three payslips or bank statements
What to check
Interest is stated per month: up to 5% on the first loan and 3% on subsequent loans in the same calendar year. The page inconsistently says exclusive to Absa clients but also gives a branch/call-centre route for new customers. Confirm the route and terms.
Source checked 7 November 2026. Registration stated by lender: NCRCP7.
Fees & details
Fees & insurance
The currently linked Instant Loan FAQ describes an upfront fee and limited free death cover. These terms are specific to Instant Loan.
- Initiation fee
- The FAQ describes a fee from R80 up to 10% of the loan amount, excluding VAT, deducted upfront. It does not give a complete formula; confirm the exact fee and net amount paid to you.
- Monthly service fee
- A separate monthly service fee is not confirmed in the reviewed Instant Loan FAQ. Check the quote; the R69 Personal Loan fee is not assumed.
- Credit life / protection
- The FAQ states that death cover is free, capped at R5,627. This is not full-balance cover for every loan up to R8,000. Broader disability or retrenchment benefits are not confirmed; check the applicable terms and exclusions.
Before you apply
- 18 or older; qualifying existing Absa account
- At least R3,000 monthly income paid into that account
- Good credit record and a preselected qualifying limit
- Prior Instant Loan settled; maximum nine per year
What to check
Full repayment is due on the next salary date, within 35 days. The rate covers the entire loan duration, not a month or a year. A 0% rate does not remove initiation fees or VAT. The free death benefit does not cover the full R8,000 maximum.
Source checked 7 November 2026. Registration stated by lender: NCRCP7.
Fees & details
Fees & insurance
The 2026 Personal Loan fee table includes VAT. Insurance is an additional component to confirm in your quote.
- Initiation fee
- Up to R1,207.50, including VAT, according to the 2026 pricing guide. Confirm your exact charge.
- Monthly service fee
- R69 per month, including VAT, in the 2026 pricing guide.
- Credit life / protection
- Mandatory for Personal Loans. The Credit Protection Plan lists death, disability, critical illness, terminal illness and loss-of-income cover, subject to its terms. The reviewed product page does not publish the premium or calculation basis; obtain the policy schedule and confirm replacement-cover requirements.
Before you apply
- 18 or older; valid SA ID
- At least R2,000 monthly income paid into a bank account
- Proof of income and affordability assessment
What to check
The product page says 12–84 months, from 2 months for existing Absa customers; general pricing says 1–84. Filters use the specific 12–84 range. Online applications start at R3,000 per the Express page; a universal minimum is not confirmed. Absa calls its starting rate APR; all-in APR is not verified.
Source checked 7 November 2026. Registration stated by lender: NCRCP7.
Fees & details
Fees & insurance
Atlas’s policy and marketing disagree about insurance cost. Obtain the current premium and full written repayment breakdown.
- Initiation fee
- No numerical fee or formula is confirmed on the reviewed loan pages. Ask for the amount, VAT treatment and whether it is financed.
- Monthly service fee
- No numerical monthly service fee or VAT breakdown is confirmed on the reviewed loan pages.
- Credit life / protection
- The credit life policy requires cover and says premiums are payable monthly, while the loan marketing calls cover free. Equivalent replacement cover is allowed. The policy includes death, disability and retrenchment/loss-of-income benefits, subject to conditions. The premium amount and calculation basis are not confirmed; resolve the cost discrepancy in writing.
Before you apply
- Original ID, or passport and work permit for foreign applicants
- Latest payslip
- Three months bank statements
- Affordability and credit assessment
What to check
This is the general cash-loan product. The separate domestic-worker product has lower limits (up to R4,000 / four months) and is not represented by the R20,000 range. Marketing short-term language does not establish a legal credit category.
Source checked 7 November 2026. Registration stated by lender: NCRCP3994.
Fees & details
Fees & insurance
The consolidation page does not publish numerical charges. The currently linked contract confirms credit life is required; the quote supplies the costs.
- Initiation fee
- No numerical initiation fee or formula is published on the reviewed consolidation page. Confirm whether it applies, its VAT treatment and whether it is financed.
- Monthly service fee
- The contract includes monthly service fees in the instalment, but does not specify a numerical tariff. Check the pre-agreement quotation.
- Credit life / protection
- Required under clause 22 of the currently linked contract. Guardrisk cover or an acceptable equivalent policy may be used. The contract describes death, disability, retrenchment and dread-disease benefits, subject to policy terms. Monthly premiums are included in the instalment; the premium amount and calculation basis are not published.
Before you apply
- Check whether your employer participates
- Confirm income, documents and affordability requirements directly with Bayport
What to check
The current official page does not publish an amount or repayment-term range. This product is excluded when a specific amount or term is selected. Historical limits from third-party directories are not used.
Source checked 7 November 2026. Registration stated by lender: NCRCP4685.
Fees & details
Fees & insurance
Support publishes a fee formula; the homepage insurance amount is only a representative example. Confirm the complete quote, including VAT.
- Initiation fee
- R165 plus 10% of the loan amount above R1,000, capped at 15% of the loan amount; add 15% VAT to the fee and cap, as stated in Support.
- Monthly service fee
- R60 per month plus 15% VAT (R69).
- Credit life / protection
- The homepage’s R6,000 / 6-month example is above the R5,000 new-customer limit, so its R18 insurance figure does not establish your premium. A new-customer premium, billing basis, compulsory status, covered events and replacement-cover conditions are not confirmed. Request the current policy and quote.
Before you apply
- South African ID
- Age 18 or older
- Access to internet banking
- Verifiable income for the last 90 days
- Employment and income information
- Online banking link and affordability check
What to check
Support gives 0.17% per day; the homepage example uses 3% per month and separately labels a maximum APR of 60%. These are not treated as one comparable rate. Available amount/term combinations and the returning-customer minimum must be confirmed.
Source checked 7 November 2026. Registration stated by lender: NCRCP5361.
Fees & details
Fees & insurance
Support publishes a fee formula; the homepage insurance amount is only a representative example. Confirm the complete quote, including VAT.
- Initiation fee
- R165 plus 10% of the loan amount above R1,000, capped at 15% of the loan amount; add 15% VAT to the fee and cap, as stated in Support.
- Monthly service fee
- R60 per month plus 15% VAT (R69).
- Credit life / protection
- The R6,000 / 6-month example lists R18 credit life insurance, but does not explicitly state its billing period or calculation basis. Compulsory status, covered events and replacement-cover conditions are not confirmed. Do not apply R18 to every loan; request the current policy and quote.
Before you apply
- South African ID
- Age 18 or older
- Access to internet banking
- Verifiable income for the last 90 days
- Employment and income information
- Online banking link and affordability check
What to check
Support gives 0.17% per day; the homepage example uses 3% per month and separately labels a maximum APR of 60%. These are not treated as one comparable rate. Available amount/term combinations and the returning-customer minimum must be confirmed.
Source checked 7 November 2026. Registration stated by lender: NCRCP5361.
Fees & details
Fees & insurance
The FAQ publishes VAT-inclusive repayment examples. Its insurance FAQ and examples disagree on the premium; obtain a current written breakdown.
- Initiation fee
- R535 in the R4,000 repayment examples, including VAT. This is an example, not a universal fee or formula.
- Monthly service fee
- Up to R69 per month in the repayment examples, including VAT.
- Credit life / protection
- Mandatory; equivalent replacement cover is allowed. The insurance FAQ states R5.50 per R1,000 of the loan amount per month, while the R4,000 / 12- and 24-month examples show R14 monthly. Confirm the premium and calculation basis in your quote. Cover includes death, disability and qualifying loss of income, subject to policy terms.
Before you apply
- Age 18+ with a valid South African ID
- Permanent employment and a monthly salary
- Three recent payslips or bank statements
- A supported South African bank account and cellphone number
What to check
The homepage labels 5–28.25% as annual interest. The FAQ instead gives up to 5% monthly for its six-month example and 28.25% annually for 12/24 months. We do not present the homepage minimum as an annual offer. Amount/term combinations depend on assessment. An NCR number was not confirmed in the pages reviewed.
Source checked 7 November 2026. Registration number not confirmed in the reviewed sources.
Fees & details
Fees & insurance
Figures below come from the credit rates page effective 24 September 2026. Your written quote sets the final charges.
- Initiation fee
- R1,207.50 once off in the published personal-loan examples. No universal formula or explicit VAT breakdown is given in that table.
- Monthly service fee
- R69 per month in the published personal-loan examples. Confirm VAT treatment in your quote.
- Credit life / protection
- Published range: R2.58–R4.50 per R1,000 per month. The representative example uses R3 per R1,000 of the outstanding balance each month. Confirm your premium, covered events, exclusions and replacement-policy requirements in the policy schedule.
Before you apply
- Credit and affordability assessment
- Proof of income and identification
- Confirm your required documents with Capitec
What to check
The dated rates page (effective 24 September 2026) shows 12.75%; the general product page shows 12.50%. We use the dated rates page. The minimum depends on the loan amount and term. Minimum amount and term are not confirmed here.
Source checked 7 November 2026. Registration stated by lender: NCRCP13.
Fees & details
Fees & insurance
The public calculator shows example costs, not a personalised quotation. Insurance is not itemised on the reviewed product page.
- Initiation fee
- R1,207.50 in the rendered calculator for R50,000 over 72 months. A universal formula and VAT treatment are not confirmed.
- Monthly service fee
- R69 per month in the calculator. Confirm the amount and VAT treatment in your quote.
- Credit life / protection
- The reviewed product page does not specify the insurance premium, calculation basis, compulsory status or replacement-cover conditions. Request the current protection policy and an itemised quote before accepting.
Before you apply
- Regular monthly income of at least R5,000
- A good credit record
- South African ID, address confirmation and recent proof of income
What to check
28.25% is the calculator example rate, not a promised minimum. Approval, final pricing and available terms depend on assessment.
Source checked 7 November 2026. Registration stated by lender: NCRCP20.
Fees & details
Fees & insurance
The Personal Credit page does not publish a numerical cost breakdown. Request the complete pre-agreement quotation; savings rates are not loan prices.
- Initiation fee
- A numerical initiation fee, formula and VAT treatment are not disclosed on the reviewed Personal Credit page.
- Monthly service fee
- A numerical monthly service fee and VAT treatment are not disclosed on the reviewed Personal Credit page.
- Credit life / protection
- The reviewed product page does not confirm compulsory status, a premium, calculation basis, covered events or replacement-cover conditions. Ask whether insurance applies and obtain the policy schedule; unknown does not mean free.
Before you apply
- Certified ID
- Latest three months payslips
- Latest three months bank statements
- Certified proof of address
What to check
The amount range is R500–R25,000 with up to 24 months to repay; a minimum term is not published. Although the lender uses short-term wording, this listing is in personal loans and makes no statutory classification.
Source checked 7 November 2026. Registration stated by lender: NCRCP6172.
Fees & details
Fees & insurance
The R5,000 / 3-month example totals R6,126 including interest, fees and insurance. Free activation does not mean free borrowing.
- Initiation fee
- Charged in portions as money is withdrawn. The loan agreement does not publish a universal numerical tariff; check the pre-agreement quotation.
- Monthly service fee
- The amount is specified in the pre-agreement quotation. A numerical monthly fee and VAT breakdown are not confirmed on the reviewed pages.
- Credit life / protection
- The Personal Protection Plan is mandatory, with equivalent replacement cover allowed. Unlike a regular loan, MobiMoney premiums use the deferred balance from time to time, at a rate per R1,000. No numerical premium rate is published; check the policy schedule for your covered risks and exclusions.
Before you apply
- Approved MobiMoney account and affordability assessment
- Accept a DebiCheck mandate
- Upload the documents requested by Finchoice
What to check
The withdrawal range starts at R100; the calculator starts at R500. These are withdrawals against an approved limit, not standalone personal loans. The example rate is not a guaranteed offer.
Source checked 7 November 2026. Registration stated by lender: NCRCP8162 / NCRCP23514.
Fees & details
Fees & insurance
The loan agreement explains how fees are charged; the linked protection policy explains insurance. Numerical charges still require a pre-agreement quote.
- Initiation fee
- Applies at the start of the loan and can be paid upfront or added to the balance and repaid in instalments. The reviewed agreement does not set out a numerical tariff.
- Monthly service fee
- The service fee is specified in the pre-agreement quotation. A current numerical amount and VAT breakdown are not published in the reviewed agreement.
- Credit life / protection
- The Personal Protection Plan is mandatory, with equivalent replacement cover allowed. Premiums are calculated per R1,000 of the initial balance (the deferred amount at inception); no numerical premium rate is published. The policy schedule determines covered risks and benefits; exclusions apply.
Before you apply
- Identity and affordability checks
- Supporting documents requested by the lender
- DebiCheck mandate before disbursement
What to check
The product page does not confirm a minimum amount or a general interest rate. Promotional offers have their own conditions and are not included in our comparison.
Source checked 7 November 2026. Registration stated by lender: NCRCP8162 / NCRCP23514.
Fees & details
Fees & insurance
FNB publishes representative costs and product-specific insurance conditions. Example figures and promotional waivers are not universal prices.
- Initiation fee
- R1,207.50 where applicable in the R30,000 / 24-month example. Confirm your fee, VAT treatment and any Credit Switch or top-up waiver in the quote.
- Monthly service fee
- R69 per month in the representative example. VAT treatment is not explicit in that example.
- Credit life / protection
- The official FAQ requires cover for terms longer than seven months and permits suitable own cover. The Customer Protection Plan includes death, disability and qualifying loss-of-income protection, subject to conditions. R100 per month is the R30,000 / 24-month example premium, not a general tariff; the calculation basis needs confirmation.
Before you apply
- 18 or older; permanent South African resident
- Permanently employed or self-employed
- Income paid into a bank account
- Supporting documents depend on whether you are an existing customer
What to check
The official page conflicts: long-term pricing says 1–66 months, while a feature says up to 72. Term bounds remain unconfirmed and this product is excluded from specific-term results. Its separate short-term monthly rate is not applied to the R450,000 limit.
Source checked 7 November 2026. Registration stated by lender: NCRCP20.
Fees & details
Fees & insurance
The reviewed public pages do not disclose numerical charges. The pre-agreement quotation must be checked for the complete borrowing cost.
- Initiation fee
- Amount, formula and VAT treatment are not disclosed on the reviewed public pages. Obtain the initiation charge in the pre-agreement quotation.
- Monthly service fee
- A numerical monthly service fee and VAT treatment are not disclosed on the reviewed public pages. Confirm whether a fee applies.
- Credit life / protection
- The reviewed pages do not confirm compulsory status, a premium, calculation basis or covered events. Request the applicable insurance terms; unknown costs are not zero.
Before you apply
- SA ID number
- Cellphone number and email address
- Bank account and employment details
- Latest 3 months bank statements showing the latest 3 salary deposits
- Fixed income and affordability assessment
- Electronic agreement and DebiCheck authorisation
What to check
The public calculator spans R500–R8,000 and 5–90 days. Ninety days is not treated as three calendar months. No distinct first-time/returning limit was confirmed. Available combinations depend on assessment.
Source checked 7 November 2026. Registration stated by lender: NCRCP8077.
Fees & details
Fees & insurance
The 2026 pricing guide includes VAT. The separate insurance cost must be confirmed in the loan quote.
- Initiation fee
- The guide lists R165 plus 10% of the limit above R1,000, capped at R1,207.50. Confirm the exact charge in your quote; the product page says it is added to the borrowed amount.
- Monthly service fee
- R69 per month, including VAT, in the 2026 personal-loan pricing table.
- Credit life / protection
- Nedbank says personal loans include insurance, with the premium built into the instalment. Personal Loan Assurance covers death, disability and loss of income, subject to conditions and waiting periods. No numerical premium tariff or calculation basis is confirmed on the policy product page. Ask about equivalent replacement cover and the applicable policy schedule.
Before you apply
- Income and affordability assessment
- Identity and supporting documents
- Confirm the exact requirements with Nedbank
What to check
The dated 2026 guide confirms R2,000–R400,000 and 6–84 months. It states a maximum interest rate of prime + 17.5 percentage points; the product page uses inconsistent numerical examples. No guaranteed starting rate is listed here.
Source checked 7 November 2026. Registration stated by lender: NCRCP16.
Fees & details
Fees & insurance
Quick Loan pricing is personalised and disclosed before acceptance. The older salary-advance tariff is not used for this product.
- Initiation fee
- An initiation fee applies, including on early settlement. The Quick Loan FAQ does not publish a numerical tariff; check the quote.
- Monthly service fee
- A separate monthly service-fee amount is not confirmed in the Quick Loan FAQ. Ask whether it applies and whether the quoted charges include VAT.
- Credit life / protection
- The reviewed Quick Loan page does not confirm compulsory cover, a premium or its calculation basis. Confirm insurance separately; Personal Loan Assurance terms are not assumed to apply to Quick Loans.
Before you apply
- South African citizen, aged 18–65
- Income paid electronically into a bank account
- Permanent, contract or self-employment and affordability assessment
What to check
This current product offers R500–R50,000 over 1–12 months. The 2026 pricing guide separately lists an older R250–R6,000 salary-linked short-term product. Its 8% fee is not applied to Quick Loans.
Source checked 7 November 2026. Registration stated by lender: NCRCP16.
Fees & details
Fees & insurance
Old Mutual publishes a fee formula and states when credit life premiums apply. The final premium still needs a quote.
- Initiation fee
- R165 plus 10% of the loan amount above R1,000, capped at R1,050 excluding VAT. The R5,000 / 3-month example shows R649.75.
- Monthly service fee
- R60 per month excluding VAT; the representative example shows R69 including VAT.
- Credit life / protection
- Charged monthly for loan terms of 12 months or longer, based on the loan amount at application. The reviewed page does not give the premium rate, covered events or replacement-policy conditions. Confirm these in the policy and quote; no zero-cost assumption is made for shorter terms.
Before you apply
- South African citizen aged 18–60
- Income of at least R2,500 a month
- At least three months with the same permanent employer
- ID, latest payslip and three months of bank statements no older than seven days
What to check
The page publishes a 28% annual maximum, not a minimum or an all-in APR. Available amounts and terms depend on assessment. Use a current written quote for the exact insurance and full repayment.
Source checked 7 November 2026. Registration stated by lender: NCRCP35.
Fees & details
Fees & insurance
Sanlam’s public example includes an initiation fee and monthly service fee. The product page and application portal identify different credit providers, so confirm the current tariff and insurance in the SanlamGoTyme quotation.
- Initiation fee
- R1,207.50 in the R50,000 representative example. The page says your initiation fee depends on your risk profile. A universal fee formula and VAT treatment are not confirmed there.
- Monthly service fee
- R69 per month in the example and calculator. Confirm the amount and VAT treatment in your current written quote.
- Credit life / protection
- The product page says every loan includes a Personal Protection Plan covering death, permanent disability and specified serious illnesses, with limited temporary-disability cover and a retrenchment benefit equal to six instalments. Equivalent replacement cover is allowed. The premium, premium basis and detailed exclusions are not published on the reviewed page; confirm them with the current provider.
Before you apply
- Age 18+ and a South African citizen with a valid ID
- A mobile number, email address and three bank statements showing three salary deposits
- The application declaration excludes debt review, administration and insolvency
- Spousal consent where required by your marital property regime
What to check
The product page lists NCRCP272; its Apply now link leads to SanlamGoTyme, NCRCP22861. The calculator offers 12, 18, 24, 36, 48, 60, 72 and 84 months, while other copy mentions a three-month minimum. Our filters use only the calculator terms. The page also mixes a 16–28% interest range, a 24.5% example and a 27.29% maximum APR label. We do not present these as a verified current rate range or calculate a lender-specific repayment. Confirm current fees, cover and legal entity before accepting an offer.
Source checked 7 November 2026. Registration stated by lender: NCRCP22861 (application portal); NCRCP272 (product page).
Fees & details
Fees & insurance
The Term Loan includes credit life. The January 2026 mandatory policy is used below; the separate voluntary policy is not treated as this loan’s tariff.
- Initiation fee
- R1,207.50 including VAT in the R30,000 / 36-month example. It can be paid separately or added to the loan; the example is not a universal fee formula.
- Monthly service fee
- R69 per month on the product page and in its representative example. Confirm the VAT breakdown in your quote.
- Credit life / protection
- Mandatory Loan Protection Plan, with suitable replacement cover allowed. Monthly premiums change with the average outstanding loan amount; the policy schedule sets the price. The January 2026 policy covers death, disability, loss of employment and specified critical illness, with exclusions and waiting periods. The general page’s R4 voluntary-plan administration fee is not added to this loan.
Before you apply
- 18 or older; South African ID
- At least R3,000 monthly income
- Proof of address under three months old
- One payslip and three bank statements
What to check
The published rate ceiling is prime + 17.5 percentage points; no starting rate is confirmed. The 24.75% representative example is not a minimum. The voluntary protection plan’s separate administration charge is not applied to this loan.
Source checked 7 November 2026. Registration stated by lender: NCRCP15.
Fees & details
Fees & insurance
Unifi’s R8,000 / 6-month example publishes VAT-inclusive fees. Those figures are not a universal quote.
- Initiation fee
- R995 including VAT in the R8,000 / 6-month example. A universal fee formula is not confirmed.
- Monthly service fee
- R69 per month including VAT in the representative example.
- Credit life / protection
- The reviewed South Africa product page and FAQ do not specify compulsory insurance, a premium, its calculation basis or replacement-cover conditions. Confirm whether cover applies and request its terms.
Before you apply
- South African citizen over 20
- Formally employed
- Monthly salary paid into own active bank account
- Supported banks: Absa, FNB, Standard Bank, Capitec, Nedbank, African Bank, TymeBank
- FAQ excludes debt-review/insolvent applicants and weekly/fortnightly/self-employed income schedules
What to check
The official article gives a R12,000 first-time limit; a minimum and returning-customer limit are unconfirmed. The homepage example’s instalments and total do not reconcile. Its 3% interest label has no explicit period. We display the separately published APR, without deriving a repayment.
Source checked 7 November 2026. Registration stated by lender: NCRCP4849.
Fees & details
Fees & insurance
Wonga publishes VAT-inclusive fees and shows the loan-specific breakdown in its calculator. Check the final quote before accepting.
- Initiation fee
- An initiation fee applies. The reviewed Transparency section does not publish a formula or fixed amount; check the calculator and quote. Published fees include 15% VAT.
- Monthly service fee
- R69 per month, pro-rated for the first 30 days, including 15% VAT.
- Credit life / protection
- Compulsory status, premium, cover and replacement-policy conditions are not disclosed on the reviewed pages. Confirm whether insurance applies; undisclosed does not mean free.
Before you apply
- Cellphone number
- SA ID number
- Bank account details
- Employment, income and expenses information
- Most recent payslip or bank statement to verify income
- Affordability/credit decision and DebiCheck approval
What to check
New customers: R500–R5,000, up to three months; returning customers: up to R8,000, up to six. The public slider’s day limits change with the date; they are not treated as permanent term bounds. Minimum term and returning-customer minimum amount need confirmation.
Source checked 7 November 2026. Registration stated by lender: NCRCP12875.
Fees & details
Fees & insurance
Wonga publishes VAT-inclusive fees and shows the loan-specific breakdown in its calculator. Check the final quote before accepting.
- Initiation fee
- An initiation fee applies. The reviewed Transparency section does not publish a formula or fixed amount; check the calculator and quote. Published fees include 15% VAT.
- Monthly service fee
- R69 per month, pro-rated for the first 30 days, including 15% VAT.
- Credit life / protection
- Compulsory status, premium, cover and replacement-policy conditions are not disclosed on the reviewed pages. Confirm whether insurance applies; undisclosed does not mean free.
Before you apply
- Cellphone number
- SA ID number
- Bank account details
- Employment, income and expenses information
- Most recent payslip or bank statement to verify income
- Affordability/credit decision and DebiCheck approval
What to check
New customers: R500–R5,000, up to three months; returning customers: up to R8,000, up to six. The public slider’s day limits change with the date; they are not treated as permanent term bounds. Minimum term and returning-customer minimum amount need confirmation.
Source checked 7 November 2026. Registration stated by lender: NCRCP12875.
A selection of the market, not every lender. Rates and approval depend on your circumstances. How we compare