Apply for a Personal Loan from R2 000 up to R500 000, with fixed monthly repayments and a simple, secure process you can trust from start to finish.

We understand that when cash is tight or something unexpected comes up, it can place real pressure on your finances. That’s why African Bank stands behind your Audacity to Believe in your financial goals, with responsible lending and solutions designed to help you move forward with confidence.

Because credit should support your progress, not hold you back.

Assess every application responsibly
Structure repayments clearly, so you know what to expect
Focus on what you can realistically afford

Life happens. We’re here for it.

Fixed monthly repayments you can plan around

Flexible terms from 7 to 72 months

Loan amounts aligned to your affordability

A clear, guided process supported by real people

The option to consolidate debt into one manageable instalment (subject to approval)

A Personal Loan Could Help To:

Ease month-end pressure
Cover unexpected expenses
Consolidate debt into one instalment
Improve your home
Take care of what matters most

Whatever your reason, we’ll assess your application based on your affordability and credit profile. Because progress should be sustainable.

Let’s See What You Could Qualify For

First Name *

Last Name *

Contact Number *

Email Address *

Employment & Income Qualification

Are you permanently employed (Full-time)? *

Yes

Gross income (in Rands) *

Net income (in Rands) *

How often do you get paid? *

Credit & Compliance

ID Number *

To speed up your application, kindly share your ID number with us

Are you currently under debt review / debt counselling? *

Yes

Do you currently have any judgments against your name? *

Yes

Consent

POPIA Processing Consent *

I consent to the processing of my personal information by African Bank for purposes of this application. I further consent to my personal information being accessed and verified by third parties, including, but not limited to, credit bureaus.

Marketing Consent *

I would like to opt in to receive marketing of African Bank products and services via email, SMS, telephone, and other approved channels of communication. I understand that I may withdraw this consent and opt out at any time. I have read and agree to the content of African Banks Privacy Policy (african-bank-privacy-policy.pdf).

Frequently Asked Questions (FAQs)

1. How much can I borrow?

You can apply for a Personal Loan between R2000 and R500 000, subject to credit approval and affordability assessment.

2. What are the repayment terms?

Repayment terms range from 7 to 72 months, depending on the loan amount and your approved structure.

3. Are the repayments fixed?

Yes. Your monthly instalment is fixed for the duration of your loan, giving you certainty and control.

4. How long does approval take

You’ll receive feedback as quickly as possible after completing your application and submitting required documents.

5. Can I consolidate my debts?

Yes. If you qualify, you may consolidate multiple debts into one loan with one monthly repayment.

6. What do I need to apply?

You’ll typically need:

Proof of income (latest payslips)

Recent bank statements

7. Is applying secure?

Yes. Your personal information is handled securely and in line with regulatory requirements.

African Bank Limited 2014/176899/06 is an authorised Financial Services Provider (FSP46094) and registered Credit Provider (NCRCP7638). Ts and Cs apply. Subject to affordability assessment and approval.