Rating based on 23 reviews

SA Personal Loans


  • Loans bad credit up to R150,000
  • Low-interest starting from 21%
  • Repayment up to 60 months

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SA Personal Loans homepage

Author SA Personal Loans. Screenshot of SA Personal Loans website. [Accessed March 9, 2020]

About SA Personal Loans

Struggling with bad credit and need a loan?

Getting a loan while having bad credit can bring down your day to day living and create unnecessary stress.

Let us help you with the financial strain

We aim to help those in need bringing you the latest financial products. A lot of banks and credit providers will not grant you any sort of loan because of bad credit. Luckily we are here and have less strict criteria even if you have not so good credit records. We are a direct loan service with years of experience, we deal daily with different private credit providers and facilitate application processes from the beginning to the end. We keep your information private and do not pass it on to any 3rd party.

An experienced team

With our 10 years of experience in the loan industry and extensive knowledge increase the chances for you to qualify for a loan with legal requirements to back up your application. Any South African that is employed can apply for an online personal loan. When you apply we guarantee the best possible services. We do all the hard work so you don’t have to worry about it. No need to look any further for a bad credit loan provider. Just complete our online form to complete the process.

What SA Personal Loans can offer you

Like any other company customer service and consumer, loyalty lies in our best interests of all times.

We aim to address your needs by offering the latest loan products that suit your budget and our know-how knowledge of applications that can improve your chances of getting approved for the loan you need.

Quick and reliable loans

We would like to offer efficient and easy to use online services and provide you with the best products even if you have a bad credit score. Our company aims to give you superior services and to walk that extra mile to make sure you are completely satisfied. To better our standards is to benefit our consulting and together with our members and credit providers of our consumers is to get better in loan products for you.

Giving out advice for free

So that this doesn’t happen to you. Try and pay all your debt if that isn’t possible get some help from a credit provider and make payment arrangements. Do not ignore legal letters, contact them and arrange repayment. Always check your ITC information is correct and up to date. Most important, do not take on debt if you can't afford it. Consider debt counselling and debt consolidation loans if you are over-indebted.

SA Personal Loans Loans bad credit

  • Loan Type Loans bad credit
  • Interest Rate from 21%
  • Loan Amount up to R150,000
  • Repayment 6 months to 60 months

Benefits of SA Personal Loans

  • Easy repayment terms
  • You can lend up to R150 000
  • Repayment terms between 6 and 60 months
  • Bad credit loans

Loans bad credit calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Sa Personal loans is the lender to trust for bad credit loans

Cutting out the middle man for you was one of our biggest steps to take to provide a better and faster method for online short term loans.

We also got rid of all that complicated paperwork that kept you busy for hours.

Qualify for a loan today

We make use of an online scale that could show us the client's risk and the amount the client qualifies for a loan. This method is easy and quick, the loan can be released into the client's account instantly and anywhere in South Africa.

Our team is young creative online entrepreneurs and microfinance specialists who can’t wait to show off their skills and services. They understand everyone's situation and what the market is expecting to form them. It’s all for you to help you get through the month because everyone needs a helping hand now and then.

This is an emergency

With everyday living cost in South Africa keeps on climbing at an alarming rate. More people than before started to depend on loans to handle emergencies like medical situations, cars broke down or unexpected expenses.

Banks have started to cut down on the short term loan and started to concentrate more on the long term uses of loans. This makes it difficult for a lot of South Africans make it through to the end of the month. We are secure and a trusted provider that offers you a low-interest rate on a short-term loan.

Online application in 3 steps

Our online application lets you apply within seconds. It allows you to choose the amount you are interested in lending and in how many days would you like doing the repayment. Don’t forget to register, just a quick application form to ensure you are employed and South African ID number so that we can see if you have a good credit record. If you apply before 3 pm we can ensure you that you will receive the transfer within the same day of applying.

Customer Reviews & Testimonials

October 2019

Just such an easy application to complete. I never had to do an application so quickly and without any hassle.

Tom W
— Kimberley —

October 2019

Provisional staff, they know their way around. Probably the first company I made use off and they know there work on point.

Johnson B
— Gariep —

SA Personal Loans Contact Details

Physical Address

  • Century Pl Blvd Century City Cape Town Western Cape 7446 South Africa
  • Get Directions

Opening Hours

  • not available