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Personal loan

Get the loan that gives you options

Need help?

Personal loan

Give yourself the option of re-accessing funds once you’ve repaid 15% of your loan, and increasing your loan amount at a later stage.

Some of the benefits

Easy to get

Apply online to find out how much you qualify for

Fast access

Funds are paid straight into your bank account

Your terms

Choose to repay your loan over 12 to 60 months

Flexibility

Increase your loan amount at a later stage if you need to

Key things to know about your loan

How it works

  • You’ll be offered a personalised interest rate when you apply
  • Choose to repay your loan over 12 to 72 months

  • Funds will be paid straight into your bank account

  • There are no early termination fees if you choose to pay off your loan sooner
  • You can apply to increase your loan amount if you choose to do so
  • Your loan can be insured, so whatever’s owed can be settled in the event of disability, dread disease or death
  • Active, qualifying Standard Bank loans, with debit balances qualify to collect tiering points on UCount rewards, if they are paid by debit order
  • Maximum annual percent rate is prime + 17.5%. Where prime is currently 10.25%, the annual percent rate is 27.75%


Applying for your loan

What you’ll need:

  • SA ID number
  • Proof of residence not older than 3 months
  • 1 month's payslip
  • Last 3 months’ bank statements, if you don’t bank with us

 

Managing your debt
Managing your loans
Managing your loans

The best way to stay on top of your debt is to keep it simple. Try these four tips for better debt management.

Managing your credit
Managing your credit

Credit empowers you to buy what you want when you need it, but it requires careful management to keep your credit record in good standing

Managing your bond arrears
Managing your bond arrears

Missing the payments on your bond can quickly result in losing your home. We can relieve your financial stress by helping you settle your bond through an early sale.

What we can do for you
What we can do for you

Instead of recommending generic solutions that may or may not be right for you, we prefer to understand your unique situation. Some of the solutions offered through our Debt Care Centre include:

Managing your loans

The best way to stay on top of your debt is to keep it simple. Try these four tips for better debt management.

Managing your credit

Credit empowers you to buy what you want when you need it, but it requires careful management to keep your credit record in good standing

Managing your bond arrears

Missing the payments on your bond can quickly result in losing your home. We can relieve your financial stress by helping you settle your bond through an early sale.

What we can do for you

Instead of recommending generic solutions that may or may not be right for you, we prefer to understand your unique situation. Some of the solutions offered through our Debt Care Centre include:

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