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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.


Easy to get

Apply for a loan online or on our banking app to find out how much you qualify for

Affordable interest

The Annual Percentage Rate (APR) for your personal loan is a minimum of 10% and a maximum of 27.25%

UCount Rewards

If you have enough Rewards Points, you can pay your monthly installment with UCount Rewards

Flexible terms

Choose between a minimum of 12 months and a maximum of 72 months to repay your personal loan
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As an example, the estimated repayments of a loan of R30 000 over 36 months at an interest rate of 27.25% (prime + 10.5%) pm would be R1 387.05pm. This includes a monthly service fee of R69. An upfront, once-off initiation fee of R1 207.50 (VAT inclusive) will be required.

Calculate repayments

Work out how much you’ll potentially repay each month

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.

5 Types of Personal Laons
5 Types of personal loans

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

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Manage Expenses with an Overdraft Loan
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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.