Get a Personal Loan of up to
R300 000*
Apply online via Internet Banking or our Banking App and choose the loan and repayment term that best suit your needs.
What our Personal Loans give you
Apply online
Apply for a loan online or on our Banking App and a get a quote in minutes
Personalised interest
Get a personalised interest rate on your fixed-term loan
Pay it off sooner
Use your UCount Rewards Points to help pay off your loan
Flexible terms
Flexible repayments terms that work for you, choose between 12 to 72 months
What are you looking for?
Energy Loan
Start saving on electricity bills by upgrading to a smarter, more sustainable home with financing that covers solar systems, solar geysers, back-up power and more.
R8 000
Minimum monthly income
R300 000*
Maximum loan amount
12 to 72
Months to repay
Personalised
Interest rate
Term Loan
Get a personal loan at a fixed monthly repayment amount and pay it off at a term you feel comfortable with.
R3 000
Minimum monthly income
R300 000*
Maximum loan amount
12 to 84
Months to repay
Personalised
Interest rate
Increase Limit
Revolving Loan
Unlock funds effortlessly with revolving credit. Simply repay 15% of your loan to access money on demand without the hassle of reapplying.
R8 000
Minimum monthly income
R300 000*
Maximum loan amount
Up to 72
Months to repay
Personalised
Interest rate
Increase Limit
Overdraft
Get instant access to additional funds with our Overdraft facility; putting financial freedom in your hands when you need it the most.
R8 000
Minimum monthly income
R250 000*
Maximum loan amount
Recurring
Months to repay
Personalised
Interest rate
Investment Backed Lending
Apply for credit using your investment portfolio as security and the added benefit of a reduced interest rate.
R50 000*
Minimum loan amount
50% of portfolio value**
Maximum loan amount
Flexible
Months to repay
Personalised
Interest rate
Loan calculator
Monthly Repayments
How much can I get?
Your estimated monthly repayment
R
0
First repayment date
0
Monthly interest and fees
R
0
Amortisation Calculator
See how changes in term, interest rates and missed and early payments affects your current loan:
Loan amount
R
0
Current Loan repayment
R
0
Adjusted Loan repayment
R
0
Loan start date
0
You have missed payments?
0
You have revolved?
0
You have made additional payments?
0
You have already paid (term)
0
Loan term end date
0
Interest rate
0
Based on the Insurance you selected, you are on the below insurance plan which covers you for:
blah
How It Works
How it works
We take the amount you want to borrow and the repayment period and calculate how much you would need to repay monthly. Get an idea of what you’ll need to budget per month before applying.
To calculate the loan amount simply add:
- Loan Amount (The amount you wish to borrow)
- Loan Term (The number of months you want to repay until complete)
- Click “Calculate”
To make the calculator easier to use we’ve given you the minimum and maximum loan amounts and number of months to repay the loan.
The calculator uses the variable interest rate which is the % of the loan amount charged for borrowing money.
-
Monthly Repayments
-
Amortisation Calculator
-
How it Works
How much can I get?
Your estimated monthly repayment
R
0
First repayment date
0
Monthly interest and fees
R
0
See how changes in term, interest rates and missed and early payments affects your current loan:
Loan amount
R
0
Current Loan repayment
R
0
Adjusted Loan repayment
R
0
Loan start date
0
You have missed payments?
0
You have revolved?
0
You have made additional payments?
0
You have already paid (term)
0
Loan term end date
0
Interest rate
0
Based on the Insurance you selected, you are on the below insurance plan which covers you for:
blah
How it works
We take the amount you want to borrow and the repayment period and calculate how much you would need to repay monthly. Get an idea of what you’ll need to budget per month before applying.
To calculate the loan amount simply add:
- Loan Amount (The amount you wish to borrow)
- Loan Term (The number of months you want to repay until complete)
- Click “Calculate”
To make the calculator easier to use we’ve given you the minimum and maximum loan amounts and number of months to repay the loan.
The calculator uses the variable interest rate which is the % of the loan amount charged for borrowing money.
Disclaimer
This online calculator provides an indication only. You use this online calculator at your own discretion. Standard Bank gives no warranty, express or implied, as to the accuracy, reliability and completeness of any information, formulae or calculation provided through the use of this calculator and does not accept any liability for loss or damage of whatsoever nature, which may be attributable to the reliance on and use of this calculator. We do not warrant the integrity and security of this calculator or that it is free of errors, corruption, viruses, interception or interference.
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 prime plus 17.5% as per the NCA regulation. The Annual Percentage Rate (APR) for your personal loan is a maximum of prime plus 17.5% as per the NCA regulation.
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