FinanceHero / South Africa / Loans
Compare loan amounts, repayment periods and published costs. Your individual offer determines what you pay.
Personal loans
| Loan | Amount | Term | Stated interest / APR | Fees / insurance | Requirements | Key caveat |
|---|---|---|---|---|---|---|
Capitec BankPersonal Loan | Minimum: Not available Maximum: ZAR 500,000 | Published examples run from 12 to 84 months; actual offer determines term. | Personalised annual interest from 12.50%; not the total borrowing cost. APR: Not available | Initiation: Published examples: R1,207.50 initiation; confirm your amount. Monthly service: ZAR 69 monthly. Insurance: Credit-life premiums quoted at R2.58-R4.50 per R1,000 monthly; personal policy and balance basis control. Other: Not available | Credit and affordability assessment; full income/residency threshold not verified. | Starting interest is not APR. Initiation, monthly service and credit-life premiums increase repayment; obtain an individual quote. |
Standard Bank South AfricaTerm Loan | Minimum: ZAR 1,000 Maximum: ZAR 300,000 | 12-84 months. | Personalised fixed interest; numeric rate not verified. APR: Not available | Initiation: Once-off initiation applies; amount not verified. Monthly service: ZAR 69 monthly. Insurance: Credit life included; premium not verified. Other: Not available | Credit and affordability assessment; existing and non-Standard Bank applicants. | Monthly service fee excludes interest, initiation and credit-life premium. No comparable all-in APR verified. |
Absa Bank South AfricaPersonal Loan | Minimum: Not available Maximum: ZAR 350,000 | 12-84 months for the compared standard personal loan. | Not available APR: Not verified | Initiation: Not available Monthly service: Not available Insurance: Mandatory credit life; premium not verified. Other: Not available | Credit and affordability assessment; standard 12-month-plus product. | Interest, initiation, monthly service and mandatory insurance need an individual quote. Shorter existing-customer loans have different eligibility. |
FNB (FirstRand Bank)Personal Loan | Minimum: Not available Maximum: ZAR 450,000 | Not verified | Personalised fixed interest; no numeric APR proposed. APR: Not available | Initiation: Up to R1,207.50 initiation. Monthly service: ZAR 69 monthly. Insurance: Mandatory for long-term loans; suitable own policy may be ceded. Premium not verified. Other: Not available | 18+, permanent South African resident; employed or self-employed; income paid into a bank account. | Confirm offer term: headline and rate footnote differ. Mandatory insurance adds cost; January payment break can extend interest exposure. |
Checked: 7 Oct 2026 · Sources: capitecbank.co.za · standardbank.co.za · absa.co.za · fnb.co.za
Fees may exclude statutory charges.