South Africa
Term loan
Get the loan you’re looking for at the fixed monthly repayment amount and term you feel comfortable with
R
3 000
MINIMUM MONTHLY INCOME
R
300 000
MAXIMUM LOAN LIMIT
Up to 72
MONTHS TO REPAY
Personalised
interest rate
Some of the Benefits
Plan ahead
Your annual percentage rate for a personal loan will not exceed prime + 17.5%
Easy to get
Apply online to find out how much you qualify for
Your terms
Choose to repay your loan over 12 to 72 months
UCount Rewards
Pay your monthly instalment with your Ucount Rewards points
How it works
- You get a personalised interest rate
- There are no early termination fees if you choose to pay off your loan sooner
- Your rewards tier is increased as a UCount Rewards member
- Your loan is insured so you are covered in the event of death, disability or retrenchment.
what you 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
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How it works
-
what you need
- You get a personalised interest rate
- There are no early termination fees if you choose to pay off your loan sooner
- Your rewards tier is increased as a UCount Rewards member
- Your loan is insured so you are covered in the event of death, disability or retrenchment.
- 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
Calculate repayments
Work out how much you’ll potentially repay each month
Managing your finances
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:
LEARN MORE ABOUT LOANS
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5 Types of personal loans
A brief guide explaining the various types of personal loans available.
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Important debt management tips
To build wealth and focus on important financial goals, you need to trim down and ultimately eliminate debt. These debt management tips will help you stay in control of your money.
property
What are pension-backed housing loans?
A pension-backed housing loan (as per the Pensions's Fund Act 19 (5) (a) and 37D) is an alternative form of housing finance where the loan is secured by your retirement fund savings instead of a mortgage bond.
managing your money
The advantage of credit cards
Thinking about getting a personal credit card? Here’s some of the basic advantages of credit cards.
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Manage expenses with an overdraft loan
Learn more about how overdraft loans work and how to use them to manage your personal expenses effectively.
managing your money
Re-spread of arrears
If you contact us soon enough, it's possible to arrange a re-spread of arrears on your account.
We also offer
Credit cards
Credit cards are all about convenience. Instant access to money you’re not carrying as cash. Money you can spend safely and easily in-store, online or overseas.
Savings and investment accounts
Thinking ahead, or planning to pay for something big? Earn competitive interest rates on a single lump sum or regular payments over the length or term you’re comfortable with.