01 / DEBT CONSOLIDATION
Bring qualifying debts into one plan.
Combine qualifying debts into one structured loan and manage one monthly repayment instead of several accounts.Best forSimplifying multiple debts
Indicative amountR30 000–R500 000
Personal finance for real-life needs
Finance matched to what life needs next.
Compare practical loan options for simplifying debt, funding important plans and managing urgent expenses—with guidance built around your needs and affordability.◆ One simple starting point can help you identify which option deserves a closer look.
Three clear optionsFor different personal needs
One application pathSimple online starting points
Clear guidanceBefore you make a decision
Since 2016Helping South Africans
Personal finance solutions
Loan options structured around what you need.
Explore debt consolidation→
02 / PERSONAL LOAN
Fund an important personal need.
Apply online for structured funding for an emergency expense, home repairs or an important life event, subject to affordability and lender criteria.Best forPlanned or once-off expenses
Indicative amountR5 000–R500 000
03 / SHORT-TERM LOAN
Cover a genuine short-term emergency.
Access a small emergency loan with a short repayment period when the need cannot wait and the repayment remains affordable.
Best for
Immediate emergency needs
Indicative amount
R500–R8 000
04 / RENT-TO-OWN VEHICLE
A clearer route to a reliable car.
Explore a rental-based personal vehicle solution with a guided application, a budget matched to your circumstances and support through to vehicle handover.Best forReliable personal mobility
Starting criteriaR15 000+ net salary & 10%+ deposit
Product availability, amounts, pricing and terms depend on affordability, eligibility criteria, supporting documents and provider assessment. Approval is not guaranteed.
A more considered way to borrow
Clarity before commitment.
Choosing a loan should begin with the need and what you can realistically afford—not simply the maximum amount available.Identify the real need
Decide whether you need to simplify debt, fund a planned expense or manage a genuine short-term emergency.Compare the relevant route
Review the purpose, indicative amount, repayment period and minimum criteria for the option that fits your situation.Review before you decide
Understand the repayment, total cost, requirements and risks, then decide whether the loan fits your budget.Move with clarity