Rating based on 55 reviews

Real People


  • Property finance up to R120,000
  • Low-interest starting from 24.95%
  • Repayment up to 48 months

In-page navigation

Real People homepage

Author Real People. Screenshot of Real People website. [Accessed February 27, 2020]

About Real People

Are the tiles in the kitchen finally becoming too much for you? Or have you had it with your small braai area?

Whatever the case might be, home renovations are sometimes a necessity that cannot be done without and Real People is here to provide you with the home improvement finance you need to get the ball rolling.

What our services entail

Many people take out an additional mortgage or an extended mortgage to afford the home improvements they would like to make to their home. However, extending your mortgage might not be the best idea. Real People offers home improvement loans up to the value of R120,000 which can be utilized as you see fit. Our home loans are very flexible and adaptive to the circumstances, needs, and preferences of the customer.

Because our advisors are professionals and experts in their field, they understand the home improvement market. This means that they can even provide you with an estimate of how much the undertaking will cost to finance and work out a deal based on your affordability and home improvement needs.

Why you should choose a home improvement loan

While an extended mortgage is definitely the easier option, it is not the more affordable one. Depending on the current rate that you have on your home loan, the additional borrowing capital on your mortgage can cause the final cost of the loan to be significantly higher than expected. This is because the total borrowing amount has been increased, the interest is now being calculated on a much higher value, and the repayment period might have been extended.

Also, as a company that specializes in home improvement, we are able to provide you with a lot more flexibility than a standard mortgage and this is because we understand how the home improvement market functions.

What Real People can offer you

Real People tailors deals that are fit for real individuals and real situations.

In order to do this accurately, we work closely with our clients to fully understand their needs and requirements. We then align these needs and help to make them a reality with our flexible finance options.

Fresh home improvement loans

Real People offers home improvement loans up to the value of R120,000 and these loans can be used to foresee any home improvement that you have been dreaming of. Want to add in a pool and a braai area? We think that sounds amazing! What about an extra room if you have a baby on the way? We think that yellow is a neutral wallpaper choice.

Real People backs any project that you have in mind and the best part is that we are totally flexible. The loan amount can be repaid over a total of 48 months and we will even allow you to cash out 30% of the loan in cash to cover certain building expenses such as paying for labour and buying minor materials.

But wait, there’s more!

Clients are able to choose from over 600 selected hardware stores to purchase all of the necessary materials. Once you have decided on the hardware store that you trust, Real People will pay the money directly to the store and you have up to six months to obtain all the necessary materials that you require as the project progresses.

During these first six months, you will also only have to pay interest on the amount that you have spent. Hereafter, a fixed loan repayment amount will be established, and you will have to pay it until the loan is completed.

Real People Property finance

  • Loan Type Property finance
  • Interest Rate from 24.95%
  • Loan Amount up to R120,000
  • Repayment 12 months to 48 months
  • Decision 2 hours

Benefits of Real People

  • Get approved in 2 hours
  • Home improvement loans up to R120,000

Real People offers real home loan solutions

If it sounds too good to be true it normally is but we promise that you are not dreaming.

Organizing finance for your latest home improvement ideas is not impossible or unaffordable – remember, we cater to real people.

Applying for our services

Our application process is entirely online, so you do not have to take time out of your busy day to visit our premises. All you need to do is visit our website, locate the application button, and follow the prompts. Once the loan application is completed you can expect a call from one of our friendly staff members to help you get everything in order.

Fast turnaround times because you need them

Waiting for a response to your loan application has to be the most annoying and frustrating part of borrowing money. Luckily for you, at Real People, we understand these frustrations and have attended to them by ensuring that all personal loans are processed within at least two hours. This means you could even have your money on the same day!

Use our calculators – do not be shy

If you are the type of person that prefers to have all of their ducks in a row before completing an application, then we encourage you to make use of our repayment calculator. This way you will be able to determine what monthly repayments you will be able to afford and over what period you are most comfortable repaying the total borrowing amount.

Customer Reviews & Testimonials

September 2019

Thanks to Real People I was finally able to get the money I need to complete the renovations that I have been putting off. I love my ‘new’ home and am very excited to make use of your services ag...

Leon B
— Oudshoorn —

October 2019

My wife and I heard that we have a baby on the way and cannot currently afford a larger home. But with the help of Real People, we could afford to have a room built on. Thank you for all your sup...

Harry V
— Bloemfontein —

Real People Contact Details

Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 09:00 – 13:00
  • Sunday – Closed