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Compare 16
South African lenders

capitec▰DirectAxis◈ NEDBANKfinchoice●

A good place to start

Find the right fit for your next step.

22 loan options from 16 lenders. Banks, non-bank providers and short-term loans.

How we compare

22 loan options from 16 lenders to explore

Showing 6 options, one per lender. Expand below to see every product and customer option.

AbsaExpress LoanBank
Loan amountR 1 500 – R 8 000
Repayment term1–6 months
Interest rateUp to 5% / monthUp to 3% on subsequent loans that year
View lender
1–6 month repayments
Fees & details

Fees & insurance

Initiation and monthly service fees apply, but the Express page does not give amounts. Credit life is required, with a suitable existing policy permitted. Ask for the premium and total repayment; Personal Loan fees are not assumed.

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.

Atlas FinanceCash loanNon-bank
Loan amountR 500 – R 20 000
Repayment term1–9 months
Interest rateNot publishedQuote needed for interest and fees
View lender
Cash loans from R500
Fees & details

Fees & insurance

No numerical interest, initiation fee, service fee or insurance premium was confirmed. The credit life policy says cover is mandatory and premiums are paid monthly, while marketing calls it free. Obtain a written premium and total repayment.

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.

BayportConsolidation loanNon-bank
Loan amountNot published
Repayment termNot published
Interest rateNot publishedA current quote is needed
View lender
Employer-linked consolidation
Fees & details

Fees & insurance

No numerical interest rate, initiation fee, service fee or credit life premium was disclosed on the reviewed product page. These costs must be confirmed in the lender’s pre-agreement quote.

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.

BoodleInstalment loan · new customersNon-bankNew customers
Loan amountR 500 – R 5 000
Repayment term1–6 months
Interest rateConfirm ratePublic rate labels differ
View lender
1–6 months; customer limits apply
Fees & details

Fees & insurance

Support lists initiation of R165 plus 10% above R1,000, capped at 15% of principal; add 15% VAT to the fee and cap. Monthly service is R60 plus VAT (R69). The R18 insurance figure is example-specific; its billing period is not explicit.

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.

CapfinPersonal loanNon-bank
Loan amountR 1 000 – R 50 000
Repayment term6, 12, 24 months
Interest rateConfirm by termMonthly and annual rate labels differ
View lender
6, 12 or 24 months
Fees & details

Fees & insurance

For R4,000, the FAQ examples include R535 initiation and R69 monthly service fees. Credit life is required; a qualifying replacement policy is allowed. Confirm the premium in your written quote: the insurance FAQ and repayment examples differ.

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.

CapitecPersonal loanBank
Loan amountUp to R 500 000
Repayment termUp to 84 months
Interest rateFrom 12.75%Annual interest, personalised
View lender
Flexible loan terms
Fees & details

Fees & insurance

The published examples show R1,207.50 initiation and R69 monthly service fees. Credit life is R2.58–R4.50 per R1,000 of outstanding balance per month. Your quote determines your charges.

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.

A selection of the market, not every lender. Rates and approval depend on your circumstances. How we compare

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Published product information. Request individual quotes to compare your actual costs.

At a glance
Loan amount
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Rate & basis
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Fees & insurance
Before you apply
What to check
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More help & support
Does comparing loans affect my credit score?

Browsing Fairloan, changing filters and using our calculators does not run a credit check. If you apply on a lender’s website, that lender may check your credit record. Read its application consent before continuing.

Is Fairloan a lender?

No. Fairloan helps you explore loan products and understand borrowing costs. We do not provide credit, collect applications or make approval decisions. You apply directly with the lender you choose.

What does it cost to use Fairloan?

Our comparison tools and guides are free to use. The current directory links directly to official lender websites and does not charge you a fee. A loan itself may include interest, initiation fees, service fees and insurance.

Will I get the rate shown here?

Not necessarily. Published starting rates are not personal offers. Your final rate, fees, loan amount and term depend on the lender’s assessment. Always compare the written quote and total repayment.

What if I’m struggling with existing repayments?

A new loan may add pressure. Speak to your existing lender early about your options, and consider an NCR-registered debt counsellor. Our help page explains where to start.

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