Personal Loans & Calculator

Personal loans in South Africa and a loan calculator that tells you what the credit actually costs before you apply. Monthly repayment, total interest and the full repayment amount in seconds. Thinking about a personal loan, car finance, a home loan or consolidating debt? Enter the amount, the interest rate and the term and see the real numbers — then compare a few scenarios before you commit. No account, no registration, nothing stored anywhere but your own phone. LOAN OFFERS Browse credit options available in South Africa. Each one shows the key figures, and if something suits you can go through to the provider's own website for the full terms. LOAN CALCULATOR Monthly repayment (EMI), total interest, total repayment and the principal-and-interest breakdown. Change the amount, the rate or the term and compare scenarios side by side — a shorter term against a longer one, one rate against another. EXTRA REPAYMENTS See how much interest you save by paying more than the minimum each month, and how many months it takes off the loan. HOW MUCH CAN YOU AFFORD Work it backwards: enter the repayment you can comfortably manage and the app returns the largest loan amount at that rate and term. AMORTISATION AND CHARTS Watch the balance come down, see how much of each instalment is interest and how that shifts over the life of the loan, and read the month-by-month schedule. BUDGET PLANNING Enter your income and monthly expenses for an overview of what a new repayment would really do to your month, before you commit to it. PAYMENT REMINDERS Save your loans and set reminders for due dates so nothing is missed. Everything stays on your device. FINANCIAL ARTICLES Plain-English guidance on interest, APR, the total cost of credit, repayment terms and household budgeting. WHO IT IS FOR • you are comparing credit options and want the real cost • you want to know the repayment before you apply • you are planning extra repayments or an early settlement • you want to check what you can realistically afford • you want to keep on top of due dates CALCULATION PARAMETERS Loan amounts: ZAR 1,000 – ZAR 500,000. Repayment periods: from 61 days to 120 months. Maximum APR used in the calculations: 36% p.a. REPRESENTATIVE EXAMPLE Loan amount: ZAR 10,000 Repayment period: 24 months Interest rate: 10% p.a. Estimated monthly repayment: ZAR 461 Estimated total repayment: ZAR 11,075 Estimated total interest: ZAR 1,075 Representative APR: approximately 10.47% p.a. The example is a mathematical illustration, not a credit offer. IMPORTANT INFORMATION This app is an informational and educational tool with calculators. It is not a bank, a lender or a credit provider. It does not provide loans, approve credit, arrange finance or process credit applications. Any offers shown are products of third parties and may lead to the provider's own website. Interest rates, fees, amounts and repayment terms are set by each provider. The credit decision is made by the provider, and using this app does not guarantee approval. All calculations are estimates and do not represent a binding offer. Always review the official terms, the interest rate, the APR, the fees and the total cost of credit with the provider before making any financial decision.

Redesigned offer cards: terms are easier to read and longer descriptions are no longer cut off. The list loads faster and the loan calculator has had small fixes.