Personal Loans

Personal Loans

A Personal Loan through us will give your finances the cash injection you may need. Getting a Personal Loan is easy because the process can be started online or over the phone with no face-to-face interviews and no unnecessary paperwork.

Personal loans are administered and managed by Direct Axis, an authorised financial services provider.

Application Form

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Loan Calculator

Loan Period
Loan Amount
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Monthly repayment of the above loan

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Maximum annual percentage rate

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Monthly Service Fee

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*Please note that the above calculator is for illustration purposes only.

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Overview

A Personal Loan through us will give your finances the cash injection you may need. Getting a Personal Loan is easy, because the whole process can be done online or over the phone with no face-to-face interviews and no unnecessary paperwork.

 

Personal loans are administered and managed by Direct Axis, an authorised financial services provider.

Benefits

  • Freedom to choose the amount – from R5 000 up to R150 000
  • Freedom to choose the repayment term – from 12 months up to 5 years
  • Convenient, secure online application, available 24/7
  • Efficient, skilled consultants available from 8am – 8pm, 7 days a week
  • No travelling, queuing, face-to-face meetings and no unnecessary paperwork
  • Competitive interest rates and fixed repayments to protect you against interest rate fluctuations

What you’ll need to apply

  • A good credit record
  • A regular monthly income of at least R5 000
  • Your last 3 months’ payslips or bank statements
  • A clear copy of your ID document
  • Details of your bank account into which your salary is paid
  • A recent document confirming your residential address

Loan repayment terms range from 12 to 60 months. The maximum interest rate with regards to a Dialdirect Personal Loan* is 28% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile. An illustrative example of a loan at an interest rate of 28% per annum would be: Loan amount R50,000.00 plus a once-off initiation fee of R1,197.00 and a monthly admin fee of R68.40, over 60 months. The total cost of the loan will be R99,747.64 which is an Annual Percentage Rate (APR) of 31.45%.

*Dialdirect Personal Loans are provided and administered by Direct Axis SA (Pty) Ltd, an authorised Financial Services Provider.

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