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Revolving Loan

Easily apply for Revolving Credit or increase your existing limit online.

Revolving credit plan product detail
Increase your Revolving Loan limit

Already have a Revolving Loan with us and want to access more funds?
Increase your limit on the Banking App or follow the link below.

Increase limit >

A Revolving Loan gives you access to funds whenever you need it without having to reapply for credit - you simply need to repay 15% of your loan.

WHAT OUR REVOLVING LOAN CAN DO FOR YOU

Access to funds 24/7

Your Revolving Credit is paid straight into your account and you can access funds whenever you need it

Quick approval

Easily apply for a loan via Internet Banking or our Banking App and get real-time approval

UCount Rewards

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

Increase limit online

Enjoy the flexibility of your Revolving Credit as you can increase your limit via the Banking App or Internet Banking
How it works
  • Apply for a Revolving Loan via Internet Banking or on the Banking App
  • Once your loan has been approved, the funds will be paid straight into your bank account
  • Should you choose to settle your loan at any time, you will not be charged penalties
  • You can increase or decrease your Revolving Loan amount, depending on your needs
  • We offer optional loan insurance in the event of disability, retrenchment, dread disease or death
WHAT IT COSTS
  • Your repayment amount doesn't change, enabling you to budget effectively 
  • Repayment is a minimum of 3% of your outstanding balance
  • Monthly service fee: R69
  • Once-off initiation fee: Up to R1207.50 (VAT included), depending on your loan amount
  • Personalised interest rate
INCREASE YOUR LIMIT

Change your limit on Internet Banking:

  • Sign into Internet Banking to change your Revolving Loan limit
  • Click on the “Borrow” tab
  • Navigate to the “Revolving Credit Plan” tile and select “Increase My Limit”
  • Complete the affordability assessment to see how much you qualify for
  • If your limit increase has been approved, you will receive an estimated quote
  • Select “Continue” and follow the easy steps to complete the process


Change your limit on the Banking App:

  • Sign into your Banking App      
  • Tap on the “More” tile at the bottom of your screen
  • Select “Open a new account”
  • Tap on “Personal Lending”
  • Select “Revolving Loan”
  • Tap on “See what you can get”
  • Tap on “Increase Limit”
  • Complete the affordability assessment to see how much you qualify for
  • Follow the easy steps to complete the process 
  • If your limit increase has been approved, you will receive the money immediately*

* Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
 

 

How to get it

Internet Banking:

  • Sign into Internet Banking
  • Click on the “Borrow” tab
  • Complete the affordability assessment and follow the simple steps
  • If your Revolving Loan has been approved, you will receive a final offer
  • Accept the offer

Banking App:

  • Sign into our Banking App
  • Tap on the “More” tile
  • Select “Open a new account” and then tap on “Personal Lending”
  • Navigate to “Revolving Loan” and tap on “See what you can get”
  • Complete the quick application

What you’ll need:

  • A valid South African ID document or Smart card
  • Be 18 years or older
  • Proof of residence not older than 3 months
  • 1 month's payslip
  • The latest 3 months’ bank statements, if you don’t bank with us
     
  • How it works
  • WHAT IT COSTS
  • INCREASE YOUR LIMIT
  • How to get it
  • Apply for a Revolving Loan via Internet Banking or on the Banking App
  • Once your loan has been approved, the funds will be paid straight into your bank account
  • Should you choose to settle your loan at any time, you will not be charged penalties
  • You can increase or decrease your Revolving Loan amount, depending on your needs
  • We offer optional loan insurance in the event of disability, retrenchment, dread disease or death
  • Your repayment amount doesn't change, enabling you to budget effectively 
  • Repayment is a minimum of 3% of your outstanding balance
  • Monthly service fee: R69
  • Once-off initiation fee: Up to R1207.50 (VAT included), depending on your loan amount
  • Personalised interest rate

Change your limit on Internet Banking:

  • Sign into Internet Banking to change your Revolving Loan limit
  • Click on the “Borrow” tab
  • Navigate to the “Revolving Credit Plan” tile and select “Increase My Limit”
  • Complete the affordability assessment to see how much you qualify for
  • If your limit increase has been approved, you will receive an estimated quote
  • Select “Continue” and follow the easy steps to complete the process


Change your limit on the Banking App:

  • Sign into your Banking App      
  • Tap on the “More” tile at the bottom of your screen
  • Select “Open a new account”
  • Tap on “Personal Lending”
  • Select “Revolving Loan”
  • Tap on “See what you can get”
  • Tap on “Increase Limit”
  • Complete the affordability assessment to see how much you qualify for
  • Follow the easy steps to complete the process 
  • If your limit increase has been approved, you will receive the money immediately*

* Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
 

 

Internet Banking:

  • Sign into Internet Banking
  • Click on the “Borrow” tab
  • Complete the affordability assessment and follow the simple steps
  • If your Revolving Loan has been approved, you will receive a final offer
  • Accept the offer

Banking App:

  • Sign into our Banking App
  • Tap on the “More” tile
  • Select “Open a new account” and then tap on “Personal Lending”
  • Navigate to “Revolving Loan” and tap on “See what you can get”
  • Complete the quick application

What you’ll need:

  • A valid South African ID document or Smart card
  • Be 18 years or older
  • Proof of residence not older than 3 months
  • 1 month's payslip
  • The latest 3 months’ bank statements, if you don’t bank with us
     
You can apply for a minimum loan amount of R6 000 to a maximum loan amount of R300 000. The monthly service fee is R69 and the once-off initiation fee depends on the loan amount, ranging from a minimum of R764.75 to a maximum of R1207.50 (VAT inclusive). Our interest rates are personalised and range from a minimum of 11% to a maximum of 17.50% as per the NCA regulation.
Calculate repayments

Work out how much you’ll potentially repay each month

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

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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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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

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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.

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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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