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How to get an online loan

It wasn’t so long ago that you had to visit your nearest bank - tons of paperwork in tow - to apply for a personal loan.

The process was daunting and time-consuming. If, however, you needed money for home renovations, unexpected expenses, or to consolidate your debt; you had to make the trip. These days, applying for a personal loan is as easy as signing into your Standard Bank app or Internet Banking profile where you can apply for a loan while binging on your favourite show.

Benefits of online loans:

  1. Quick approval
    Applying online means your loan gets approved quicker, while you also get to see how much you qualify for and what your repayments will be.
  2.  Better interest rate
    You can save up to 2%* on your interest rate when you apply for your personal loan via the banking app or internet banking.
  3. Convenience
    Getting an online loan means you don’t have to make several trips to the bank to see whether you have qualified or not, therefore saving you time and money.

How to get your online loan via our Banking App:

  1. Open your Standard Bank App and sign in
  2. Click ‘More’ and select ‘Open a new account’
  3. Click on ‘Personal Lending’ to see how much you can get
  4. Follow the instructions
  5. Ka-ching! The money will be deposited into your account.

How to get your online loan via Internet Banking:

  1. Visit on your desktop
  2. Click the ‘Borrow’ button
  3. Follow the instructions 
  4. Ka-ching! The money will be deposited into your account.


  1. Dial *120*2345# on your cellphone
  2. From the menu, choose option 3
  3. Follow the instructions  
  4. You will receive an SMS on whether your application is successful
  5. One of our agents will then get in touch with you to proceed.  

Getting a personal loan has never been quicker, easier and more convenient.