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Personal loans

Looking for a personal loan? Apply online via internet banking or our banking app and choose the loan and repayment terms that best suit your needs.

WHAT OUR PERSONAL LOANS GIVE YOU

Easy to get

Apply for your Term Loan online or on the Banking App to find out how much you qualify for

Affordable interest

The Annual Percentage Rate (APR) for your personal loan is a maximum of 24.75%

UCount Rewards

You can pay your monthly loan instalment with UCount Rewards if you have enough Rewards Points

Flexible terms

Choose between a minimum of 12 months and a maximum of 72 months to repay your personal loan
What are you looking for?

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You can apply for a minimum loan amount of R3 000 to a maximum loan amount of R300 000. Our service fees are R69 per month for all loans and our once-off initiation fees range from R419.75 up to R1207.50 (VAT inclusive). Our loan repayment terms range from a minimum of 12 months to a maximum of 72 months. Our interest rates are personalised up to a maximum of 24.75% as per the NCA regulation.

As an example, the estimated repayments of a Term Loan of R30 000 over 36 months at an interest rate of 24.75% pm would be R1 412 per month. Revolving Loans and Overdrafts do not have fixed repayment terms and the estimated repayment is a minimum of 3% of your outstanding loan balance.
Calculate repayments

Work out how much you’ll potentially repay each month

LEARN MORE ABOUT LOANS
loans
Increase you loan limit
How to increase your Revolving Loan or Overdraft limit

Do you have a Revolving Loan or Overdraft with us and need to top-up your funds? We have made it easy for you to increase your limits from the comfort of your own home by enabling you to do it online.

loans
How to get an online loan
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.

loans
5 Types of Personal Laons
5 Types of personal loans

A brief guide explaining the various types of personal loans available.

managing your money
Manage Expenses with an Overdraft Loan
5 Steps to credit fitness

Do you have a healthy credit score? If you’re not credit fit, the good news is that you can always improve your credit health. Here’s five steps to help.

managing your money
5 Benefits of an Overdraft Loan
5 Benefits of an overdraft loan

If you’re considering a personal overdraft loan but you’re not sure if it’s right for you, here’s five benefits to consider.

Ucount Knowledge card
Redeem Your Rewards Points Into Your Personal Loan

If you have a Standard Bank Revolving Credit Plan (RCP) or Term Loan Account, you can now redeem* your Rewards Points via the UCount Rewards Online Mall to reduce your RCP or Term Loan or pay off your loan. *Terms and conditions apply

We also offer
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Credit cards

Enjoy instant access to money you’re not carrying as cash, with a credit card that gives you all the extra features and benefits you’re looking for.

Debt consolidation
Debt Care

Struggling to keep up with your repayments? Speak to us about finding the best solution for your unique financial situation.

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Savings and investment accounts

Grow your money the way you choose to, with the help of high interest-earning accounts designed to meet a variety of personal needs, preferences and goals.