Apply For Your Loan Now
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Need A Personal Loan?
Apply for a loan online from R500 - R350,000
Apply Fully Online - Simple Secure Online Application
Our Service is Free - There Are No Hidden or Extra Fees
Credit Issues? We have Flexible options available.
Affordable Interest Rates - We Help Secure You The Best Rates
High Approval - High Acceptance Rates On Completed Applications
Smart Matching - We Match You With Lenders That Fit Your Profile
100% Secure - Fully Confidential & Discreet Application
What do I need?
Applying for a personal loan shouldn’t be complicated. At sapersonalloans, we’ve made the process straightforward and stress-free so you can focus on what matters most. To ensure your application goes smoothly and gets approved faster, be sure to have the following information and documents ready before you begin.
Once you’ve got these, you’re ready to apply — and we’ll guide you every step of the way.
A valid ID
Your income and employment details
Proof of Address
Frequently Asked Questions
How to Get Your Loan
Apply online to get the process started
We will find matching lenders based on your requirements
Conduct interviews and agree to terms
Get cash in your account
Loan Calculator
Repayment Amount
Total Cost of Loan
* This is the default interest rates in South Africa at the moment. Banks may decide to change this based on your credit score and other factors.
Our Online Loan Application Service
We are not a credit provider. We are a loan aggregation service that works with trusted, NCR-registered partners in South Africa to help you find lending options suited to your personal profile and criteria. To be eligible, you must be a South African citizen or permanent resident, 18 years or older, with a valid South African ID, an active bank account, and a monthly income.
Always make sure you can afford the repayments before accepting a loan. Never borrow more than you need.
Rates and Fees
Please note that our service does not cost you any additional fees. Should your loan be approved by one of the recommended lenders, these lenders may pay us a "finders fee" depending on the nature of our contract with them
Interest Rate and Loan Terms
Minimum APR
Maximum APR
Minimum Term
Maximum Term
*9.8%
**21%
6 months
59 months
Please note that the interest rate quoted via our website is not final, this will be negotiated between yourself and the lender, should you decide to initiate the loan. Typically, loan interest rates vary between 9.8% and 21% (APR) for medium term loans subject to your personal profile.
Please note that WE DO NOT offer payday loans or short term loans. Our medium term loan periods are from 6 to 59 months (also called the repayment period).
Loan Calculation Example
Loan Amount
Term
APR
Total Repayable
Installment
R 10,000
24 months
15.0%
R 11,636.80
R 484.87
Why Get A Loan From Us?
We've got multiple lenders
based on your requirements (loan amount, income, etc)
Trusted partnerships
we only work with NCR registered lenders with proven track records.
Over 17 Years of Experience
we have been helping thousands of South Africans get loans approved.
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