Compare personal loans

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

R1k R100k
R15,000
Personal Consolidation Home Loans Auto Student Business

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50+ lenders
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Recently added

APR

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Lula Fixed-Term Business Funding

Business

Best for: Established businesses with consistent revenue looking for flexible funding options.

Registered South African business trading for 1+ year

Monthly revenue of R40,000+

⚡ Funds in as little as 24 hours Check rates →
Amount R10k–R5M
Term 3–12mo

APR

—

Absa MyHome Loan

Mortgage

Best for: Households earning up to R34,800 monthly who are looking to finance a home purchase.

Single or joint gross monthly income up to R34,800

Latest payslip

Check rates →
Amount —
Term —

APR

—

Nedbank Student Loan

Student

Best for: Full-time students in South Africa who have a reliable guarantor and are pursuing qualifications at NQF level 5 or higher.

Guarantor for full-time students

Course of NQF level 5 or higher

Check rates →
Amount —
Term —

APR

—

FNB Vehicle Finance

Auto

Best for: Individuals earning at least R6,000 a month with a clear credit record looking to finance a car under 10 years old.

Age 18+

Driving licence

Check rates →
Amount R30k
Term —

APR

27.0%

to 27.75%

FinChoice Personal Loan

Personal

Best for: This loan is best for individuals needing quick cash for unexpected expenses who appreciate the option to skip payments during tough times.

South African ID

Age 18+

⚡ Same day Check rates →
Amount R500–R50k
Term 3–36mo

APR

36%

to 60%

Boodle Short-Term Loan

Short-Term

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

Valid SA ID, internet banking access, verifiable income (90 days), 18+ years

⚡ Minutes Check rates →
Amount R4k–R8k
Term 3–6mo

APR

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Standard Bank Business Term Loan

Business

Best for: Businesses that have been trading for at least 2 years and need predictable repayment schedules.

Trading for 2 years or more

Active business transactional account

Check rates →
Amount —
Term 36–60mo

APR

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FNB Home Loan

Mortgage

Best for: First-time home buyers with a solid income and good credit looking for additional financial support.

Proof of income

Proof of residence

Check rates →
Amount —
Term —

APR

—

FNB Student Loan

Student

Best for: Students with a steady income who need financial support for tuition and living costs.

Minimum income of R3,000

South African ID for applicant and student

Check rates →
Amount Up to R450k
Term —

APR

21.0%

to 27.75%

Capfin Personal Loan

Personal

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

South African ID

Age 18+

⚡ Same day Check rates →
Amount R1k–R50k
Term 3–24mo

APR

36.0%

to 38%

Finance27 Short-Term Loan

Short-Term

Best for: This loan is best for individuals who require immediate access to funds and can repay within a short timeframe.

SA resident, 18+, employed, valid bank account, pass credit checks

⚡ Within 24 hours Check rates →
Amount R1k–R7.2k
Term 2–2mo

APR

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GoTyme Business Advance

Business

Best for: Established businesses generating over R50,000 monthly looking for flexible funding options.

Monthly turnover of R50,000 or more

At least 3 to 6 months of trading history

Check rates →
Amount Up to R5M
Term —

APR

—

DirectAxis Debt Consolidation Loan

Consolidation

Best for: Individuals with a steady income of at least R5,000 who need to consolidate multiple debts.

South African ID

Regular monthly income of at least R5,000

Check rates →
Amount R10k–R350k
Term 24–72mo

APR

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Standard Bank Home Loan

Mortgage

Best for: First-time home buyers in South Africa with a solid income and good credit scores looking to finance up to R3 million.

Proof of income

Credit and affordability assessment

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Amount —
Term —

APR

—

Fundi Student Loan

Student

Best for: Students from low to moderate-income households looking to finance their education without immediate financial pressure.

Check rates →
Amount —
Term 6–36mo

APR

24.0%

to 27.75%

Fasta Personal Loan

Personal

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

South African ID

Age 18+

⚡ Minutes Check rates →
Amount R500–R8k
Term 3–6mo