PERSONAL LOANS SOUTH AFRICA

Personal loans online to a maximum of R350 000 with maximum 84 months to pay. Short-term loan up to R8000 with maximum 3 months to pays. You choose your repayment term. Apply online in 2 minutes. No branch visits required . Money in your account within 24 hours of approval

Your Name (required)


Your Surname (required)


13 DIGIT S.A I.D NUMBER (REQUIRED)

Your Date of birth (required)


Select gender
MaleFemale
Marital Status (required)
SingleMarriedDivorcedWidowed

Your CELLPHONE number eg 0823157575 (required)


Email (required)


Gross monthly income Eg: 10000(Rounded figure without cents) (required)


Employment Status (required)
---Full timeWorking part timeSelf-EmployedRetiredStudentNot currently employed

Net monthly Income
---0-24992500-49995000-74997500-999910000-1249912500-1499915000-1749917500-1999920000-2499925000-2999930000-3499935000-3999940000-4499945000-4999950000-5499955000-5999960000-6499965000-6999970000-7499975000-7999980000-849985000-8999990000-9499995000-99999100000+(required)
Monthly expenses (required)

Amount you require (required)

Who do you bank with (required)
CapitecFnbStandard BankAbsaNedbankBidvest bankAfrican BankInvestecPost bankUbankGo bankingIthala BankRMBTransnetWizzitOther

CREDIT SCORE STATUS - (SELECT 1)(REQUIRED)
GOOD: ALL MY ACCOUNTS ARE PAID UP AND UPTO DATEFAIR: I CLEARED MY ARREARS MORE THAN 3 MONTHS AGOBAD : I HAVE ACCOUNTS IN ARREARS MORE THAN 30 DAYS

Name of company you work at (required)


Telephone number for company you work at

Whens your next paydate (required)


How long are you working at current company (required)
Less than 6 monthsMore than 6 months

Total value of your current debts
Less than R25000R25001 - R50000R50001 - R100000R100000 - R200000R200000 - R300000More than R300000

Are you under debt review (required)
YesNo

Would you like a free quote on any of the below products? (optional)
Business InsuranceTaxi InsuranceCar Insurance (Pay upto 39% less on your monthly premiumFuneral PlansHouse InsuranceMedical Cover from R321 a month

I consent to a credit check/s being performed on my profile and to be contacted by credit providers contracted with loanshub.co.za (required)
Yes

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✅PERSONAL LOAN UP TO R350 000

✅ FLEXIBLE REPAYMENT PERIODS

✅ Easy Online Application

✅ NO APPLICATION FEES

✅ APPROVAL IN 24 HOURS

Your interest rate will depend on your personal risk and credit rating.

The National Credit Act caps interest rates at 5% a month. 30% over 6 months and 60% a year.

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An illustrative example of a personal loan at an interest rate of 27.75% per annum would be. For example a Personal Loan amount R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69.00, over 72 months.
The total cost of the loan will be R 110 594.54.  Which is a maximum Annual Percentage Rate (APR) of 30.98%.

Personal Loan repayment terms range from 1 to 72 months. The maximum interest rate with regards to a Personal Loan is 27.75% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile.

Maintaining a good credit score is vital if you want to apply for a loan or credit in any form. .There are plenty of things you can do to maintain the good credit score you’ve worked so hard to build, and one excellent reason why you should care: money. A good credit score typically means lower interest rates, and that means more cash in the bank. It’ll also be easier for you to get a loan and credit. click here to check your credit score and learn how to improve your credit health.

PRIVACY POLICY

REASONS FOR TAKING LOAN

REASONS

There are many reasons why you might opt in to take out a personal loan. So you can make down payments on a home.To consolidating your debt. So that

Covering medical expenses or surgical procedures.buying a car, or finally getting to those home improvements which you have always wanted could all be great uses for a personal loan.

POINTS TO CONSIDER

Some reasons to apply for a personal loan is when you are unable to cover the full amount you need to pay but are responsible enough and financially able to pay back the loan on time. So your credit scores improves

CHECKS BEFORE APPLYING

1. Only make applications for loans you can afford. Thus ensuring a good payment history.Resulting in a better credit score
2. Work on your credit score before you apply.
3. Prior to filling out an application applicants need to show lenders they are in a stable position. So that they can lend you money
4.  Before applying Check you are not listed as a bad payer. So you do not further lower your credit score by applying

BUDGET

Many people don’t budget because they don’t want to go through what they think will be a boring process. Listing out expenses, adding up numbers, and making sure everything lines up. However if you’re bad with money. Nonetheless you do not have room for excuses with budgeting. Simultaneously resulting in your spending going on track is a few hours working a budget each month. On the contrary Why wouldn’t you do it? Instead of focusing on the process of creating a budget, focus on the value that budgeting will bring to your life

MANAGING YOUR BUDGET

Using the Budget: Your budget is useless if you make it then let it collect dust in a folder tucked away in your bookshelf or file cabinet, Refer to it often throughout the month to help guide your spending decisions. simultaneously update it as you pay bills and spend on other monthly expenses. At any given time during the month, you should have an idea of how much money you’re able to spend, considering any expenses you have left to pay