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
The public calculator gives fee details and a credit life premium basis. The homepage insurance amount is a separate representative example; confirm the complete quote.
- 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 public calculator states R4.50 per R1,000 per month on the daily balance. Confirm the exact premium in your quote. The separate R6,000 / 6-month homepage example exceeds the new-customer limit and lists R18 without its billing period; it does not establish your premium. Compulsory status, covered events, exclusions and replacement-cover conditions remain unconfirmed. Request the current policy.
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 8 November 2026. Registration stated by lender: NCRCP5361.
Fees & details
Fees & insurance
The public calculator gives fee details and a credit life premium basis. The homepage insurance amount is a separate representative example; confirm the complete quote.
- 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 public calculator states R4.50 per R1,000 per month on the daily balance. No separate returning-customer tariff was confirmed. The homepage separately lists R18 in a R6,000 / 6-month example without its billing period; do not treat R18 as a fixed premium for every loan. Compulsory status, covered events, exclusions and replacement-cover conditions remain unconfirmed. Request the current policy and written 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 8 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 fees. Mandatory credit life is covered by the separately published Customer Protection Plan; its monthly premium is set out in your loan quotation.
- 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
- Mandatory Customer Protection Plan, underwritten by FirstRand Life. The policy linked for cover taken after 30 November 2021 settles the balance for covered death, permanent disability or specified critical illness; eligible temporary disability or loss of income claims pay instalments for up to 12 months, subject to employment status, exclusions and the remaining term. A suitable replacement policy is required to cancel. Premiums are collected monthly from the loan account; the amount is in your quotation, with no numerical rate or calculation basis published in this policy.
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 R15,000 / six-month example lists an initiation fee, monthly service fee and monthly credit protection premium. These example costs are not a personalised quotation.
- Initiation fee
- R1,207.50 in the R15,000 / six-month representative example. A universal formula and separate VAT treatment are not confirmed in the reviewed public material.
- Monthly service fee
- R69 per month in that example. Confirm the applicable fee and VAT treatment in your written quotation.
- Credit life / protection
- Credit protection is required. The example shows R68.48 per month; the linked September 2025 African Unity Life / ASPIS policy places the actual premium and charges in your policy schedule and does not publish a universal formula. Equal-benefit alternative cover is allowed: the FAQ asks for proof within five working days of payout to remove its CPI and credit the charge, and also allows substitution during the loan term with proof of equivalent cover.
Before you apply
- Age 18 or older and a South African ID number
- Three months of bank statements
- Affordability and credit checks; confirm additional application requirements with FASTA
What to check
A minimum loan amount was not confirmed in the reviewed product copy. The annual interest shown is a representative example, not a starting rate. The lender also labels 123% as its maximum APR; Fairloan has not independently reproduced that calculation. The policy contains exclusions, waiting periods and claim conditions. Check your loan quotation and insurance schedule.
Source checked 8 November 2026. Registration stated by lender: NCRCP10591.
Fees & details
Fees & insurance
The R5,000 homepage example combines R868 of fees and R74 interest for a R5,942 total; the fees are not itemised. The terms allow early settlement without advance notice, with unpaid principal, interest, fees, charges and any insurance payable up to the settlement date.
- Initiation fee
- The FAQ says Finance27 does not request payment before a loan is paid out. That does not establish a zero initiation fee: the R868 combined-fee example is not itemised. A separate amount, formula and VAT treatment remain unconfirmed; request the written breakdown.
- Monthly service fee
- The homepage and How It Works page say a service fee and interest are added monthly when a loan is unpaid, but give no numerical service charge or VAT split. The example combines fees. Confirm the ordinary service charge, charging period and any arrears charges in the quote.
- Credit life / protection
- The Early Settlement section refers to any insurance payable up to settlement. That reference does not establish mandatory cover, a premium, calculation basis, benefits or replacement rights. No applicable credit-life policy or premium schedule was confirmed in the reviewed public material. Request these documents before accepting a quote; unconfirmed does not mean free.
Before you apply
- South African citizen above 18 years of age
- Employed, with a regular salary paid into an active bank account in your own name
- Credit and affordability assessment; income, expense, employer and banking information supplied directly to the lender
What to check
The homepage publishes 61–65 days, while generic FAQ copy describes next-payday borrowing. We preserve the explicit day range and do not convert it to months. The site advertises a maximum APR of 38%, but the example does not establish its duration or full cost basis; Fairloan does not present that as a verified all-in comparison rate.
Source checked 8 November 2026. Registration stated by lender: NCRCP7084.
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 bank’s annual report for the year ended 28 February 2026 records sales of Credit Life. It is not a Personal Credit policy or tariff: compulsory status, premium, calculation basis, cover and replacement terms for this loan remain unconfirmed. Request the applicable policy and itemised quote; 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 official FAQ publishes an initiation-fee formula and monthly service/insurance charges, but not a complete tariff. Clause 13 of the currently linked website terms directs borrowers to their individual loan quotation and application for the loan conditions.
- Initiation fee
- The FAQ states R165 on the first R1,000 advanced plus 10% of the amount above R1,000, plus VAT. It lists caps of 15% of the loan amount or R1,050 plus VAT without identifying which applies to each product. Confirm the product-specific cap and amount in writing.
- Monthly service fee
- A monthly service fee is charged to the loan account. The FAQ and currently linked website-terms PDF do not give its numerical amount or separate VAT breakdown. Request the itemised fee in your loan quotation; the website terms are not a pricing schedule.
- Credit life / protection
- The FAQ says credit protection is included in the loan contract and charged monthly, with death, permanent disability and retrenchment cover during the original term. Own insurance is allowed with proof. The premium, calculation basis, full exclusions and detailed replacement requirements remain unconfirmed. The public insurance directory describes funeral and education products; those documents do not establish the terms of this loan’s credit-life cover.
Before you apply
- South African citizen aged 21–60
- Monthly income of at least R3,500, paid into your bank account
- Permanent employment for more than six months; not under debt review or administration
- ID, latest two payslips, three months of bank statements and recent proof of address; first-time applicants should confirm original/stamped document requirements
What to check
The product page does not publish a maximum amount. This option remains visible without an amount filter but is excluded from specific-amount matches. Only 7, 9 and 13 months are published; intervening terms are not inferred. Full pricing and insurance require a quote.
Source checked 8 November 2026. Registration stated by lender: NCRCP895.
Fees & details
Fees & insurance
The official FAQ publishes an initiation-fee formula and monthly service/insurance charges, but not a complete tariff. Clause 13 of the currently linked website terms directs borrowers to their individual loan quotation and application for the loan conditions.
- Initiation fee
- The FAQ states R165 on the first R1,000 advanced plus 10% of the amount above R1,000, plus VAT. It lists caps of 15% of the loan amount or R1,050 plus VAT without identifying which applies to each product. Confirm the product-specific cap and amount in writing.
- Monthly service fee
- A monthly service fee is charged to the loan account. The FAQ and currently linked website-terms PDF do not give its numerical amount or separate VAT breakdown. Request the itemised fee in your loan quotation; the website terms are not a pricing schedule.
- Credit life / protection
- The FAQ says credit protection is included in the loan contract and charged monthly, with death, permanent disability and retrenchment cover during the original term. Own insurance is allowed with proof. The premium, calculation basis, full exclusions and detailed replacement requirements remain unconfirmed. The public insurance directory describes funeral and education products; those documents do not establish the terms of this loan’s credit-life cover.
Before you apply
- South African citizen aged 21–60
- Monthly income of at least R3,500, paid into your bank account
- Permanent employment for more than six months; not under debt review or administration
- ID, latest two payslips, three months of bank statements and recent proof of address; first-time applicants should confirm original/stamped document requirements
What to check
This is the one-month product; do not apply the separate two-to-six-month or longer-term conditions to it. Specific rates and the full insurance schedule need a written quote.
Source checked 8 November 2026. Registration stated by lender: NCRCP895.
Fees & details
Fees & insurance
The official FAQ publishes an initiation-fee formula and monthly service/insurance charges, but not a complete tariff. Clause 13 of the currently linked website terms directs borrowers to their individual loan quotation and application for the loan conditions.
- Initiation fee
- The FAQ states R165 on the first R1,000 advanced plus 10% of the amount above R1,000, plus VAT. It lists caps of 15% of the loan amount or R1,050 plus VAT without identifying which applies to each product. Confirm the product-specific cap and amount in writing.
- Monthly service fee
- A monthly service fee is charged to the loan account. The FAQ and currently linked website-terms PDF do not give its numerical amount or separate VAT breakdown. Request the itemised fee in your loan quotation; the website terms are not a pricing schedule.
- Credit life / protection
- The FAQ says credit protection is included in the loan contract and charged monthly, with death, permanent disability and retrenchment cover during the original term. Own insurance is allowed with proof. The premium, calculation basis, full exclusions and detailed replacement requirements remain unconfirmed. The public insurance directory describes funeral and education products; those documents do not establish the terms of this loan’s credit-life cover.
Before you apply
- South African citizen aged 21–60
- Monthly income of at least R3,500, paid into your bank account
- Permanent employment for more than six months; not under debt review or administration
- ID, latest two payslips, three months of bank statements and recent proof of address; first-time applicants should confirm original/stamped document requirements
What to check
The short-term product page publishes two to six months and R500–R7,000. The general FAQ does not separate fee caps by product; exact interest, service fees and insurance must be confirmed.
Source checked 8 November 2026. Registration stated by lender: NCRCP895.
Fees & details
Fees & insurance
The homepage calculator’s information panel publishes initiation and monthly service fees. Confirm the full borrowing cost and any insurance in the pre-agreement quotation.
- Initiation fee
- The calculator states 16.5% of the first R1,000 lent, plus 10% of the amount above R1,000, capped at 15% of the loan amount. VAT is added to the fee and cap. Confirm the rand amount in your quote.
- Monthly service fee
- R69 per month in the calculator information panel. That panel does not explicitly state VAT treatment or how the fee is pro-rated for shorter loans; confirm these in your quote.
- Credit life / protection
- No current credit life policy was identified in the reviewed sources. They do not confirm compulsory cover, a premium, its calculation basis, covered events or replacement-cover conditions. Request the applicable policy and quote; 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 lending policy publishes initiation and monthly service charges plus VAT. Homepage fee wording is less explicit about VAT and differs on the initiation cap. Confirm the itemised VAT-inclusive charges and any loan insurance in the written quote.
- Initiation fee
- The lending policy states 16.5% of the first R1,000 of capital plus 10% of the amount above R1,000, plus VAT. Homepage wording also refers to R165 and a 15% cap; obtain the exact amount and cap in your quote rather than assuming those descriptions are interchangeable.
- Monthly service fee
- R60 per month plus VAT in the official lending policy. The homepage lists R60 per month without specifying VAT in that line. Confirm the VAT-inclusive charge in the loan quotation; these are not two separately payable service fees.
- Credit life / protection
- The current terms page links a PDF titled Credit Life Insurance Claim Form, under a Funeral Policy Claims heading. This is a claim form, not policy wording or a premium schedule. Mandatory cover, premium, calculation basis and replacement terms remain unconfirmed. The separate Turbosure funeral brochure does not establish credit-life terms. Ask for the policy and schedule applicable to your loan, if any.
Before you apply
- At least three months in your current job
- Income, employment and credit assessment
- Confirm the required identity, income and banking documents with MPOWA before applying
What to check
The site says repayment is due on the next payday and describes agreements shorter than six months, but exact minimum and maximum day counts or selectable monthly terms are not confirmed. This product is excluded when a specific repayment term is selected. The 3% rate depends on another loan in the same calendar year, not simply being a returning customer. Interest is not an all-in APR.
Source checked 8 November 2026. Registration stated by lender: NCRCP6666.
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
The public example includes initiation and service fees. Credit protection is required; the current linked policy publishes a monthly premium based on the original loan amount.
- Initiation fee
- R1,207 in the R10,000 / 24-month representative example. The universal formula and VAT treatment are not confirmed there. The loan terms allow payment with the first instalment if selected at application; otherwise it is financed.
- Monthly service fee
- R69 per month in the representative example. Confirm the amount, VAT treatment and frequency in your pre-agreement quotation; the terms allow changes with notice.
- Credit life / protection
- Required while a loan balance is owing. The currently linked October 2025 policy charges R4.50 per R1,000 of the original loan amount each month. Guardrisk Life underwrites death, permanent disability, temporary total disability and loss-of-income cover, subject to exclusions. You may replace RCS cover with a policy providing the same benefits, ceded to RCS with the required written directions.
Before you apply
- Age 18 or older
- South African ID or driver’s licence and a South African bank account
- Employed, earning at least R3,000 per month
- Proof of income: latest payslip or bank statements; affordability assessment
What to check
The product page advertises interest from 15% without a period beside that headline and uses 28.25% annually in its example and maximum-rate wording. We do not treat these as a verified current rate range or an all-in APR. Example fees are not a universal tariff. The CPI policy excludes certain events and includes waiting periods; read the full policy and your schedule.
Source checked 8 November 2026. Registration stated by lender: NCRCP38.
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
The public calculator itemises initiation, service fees, interest and insurance. The R2,500 / 18-day example checked on 7 November 2026 totals R3,001.22; this is an illustration, not a customer-specific quote. Wonga states there is no early repayment fee.
- Initiation fee
- R362.25 in the public R2,500 / 18-day calculator example checked on 7 November 2026. This does not establish a universal formula or a separate returning-customer tariff. Published fees include 15% VAT.
- Monthly service fee
- R69 per month, pro-rated for the first 30 days, including 15% VAT.
- Credit life / protection
- Wonga says credit life is built into its loans and allows existing third-party credit insurance if you send proof of cover. Its calculator names retrenchment, disability and death, and directs alternative-cover enquiries to support. The public R2,500 / 18-day example includes R12.88 insurance for that loan, not a monthly tariff. A current full policy, compulsory status, premium formula, exclusions and further replacement requirements were not confirmed; request these with your quote.
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
The public calculator itemises initiation, service fees, interest and insurance. The R2,500 / 18-day example checked on 7 November 2026 totals R3,001.22; this is an illustration, not a customer-specific quote. Wonga states there is no early repayment fee.
- Initiation fee
- R362.25 in the public R2,500 / 18-day calculator example checked on 7 November 2026. This does not establish a universal formula or a separate returning-customer tariff. Published fees include 15% VAT.
- Monthly service fee
- R69 per month, pro-rated for the first 30 days, including 15% VAT.
- Credit life / protection
- Wonga says credit life is built into its loans and allows existing third-party credit insurance if you send proof of cover. Its calculator names retrenchment, disability and death, and directs alternative-cover enquiries to support. The public R2,500 / 18-day example includes R12.88 insurance for that loan, not a monthly tariff. A current full policy, compulsory status, premium formula, exclusions and further replacement requirements were not confirmed; request these with your quote.
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.
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