Why choose Nedbank for a personal loan?

Honest guidance on what to know before you apply

We’ll only make you an offer you can afford to repay

Competitive interest rate based on your risk profile

No hidden fees, just clear pricing and payment plans

Use our loan calculators to see what works for you

See if you can afford the loan you want, with details on fees and insurance, and what you’ll pay in interest over the full loan term.
How much do you want to borrow?
R
What’s your preferred repayment term?

  • 6
  • 12
  • 24
  • 36
  • 48
  • 60
  • 72
Include insurance in your repayment tooltip text
How much you’ll pay back each month tooltip text

R0.00

How much you’ll pay back in total tooltip text

R0.00

Example interest rate tooltip text

8.25%

25.75%

On average, South Africans will pay interest of 18.25% to 25.75%. We’ll offer you an interest rate based on your payment history and risk profile.

Combine your loans into 1 and pay less each month with a fixed interest rate and 1 monthly repayment. You can even apply for extra cash if you need it.
Loan 1 details
What type of loan is it?
Amount you still owe tooltip text
R
Loan 2 details
Remove
What type of loan is it?
Amount you still owe tooltip text
R
Loan 3 details
Remove
What type of loan is it?
Amount you still owe tooltip text
R
Add another loan
Add another loan
Remove
This is another personal loan that will be added
How much do you need? tooltip text
R
Get extra cash
What’s your preferred repayment term?

  • 6
  • 12
  • 24
  • 36
  • 48
  • 60
  • 72
Include insurance in your repayment tooltip text
Total amount

R2000

R300000

How much you’ll pay back each month tooltip text

R0.00

How much you’ll be saving tooltip text

A single, easy to manage instalment will mean you spend less each month on fees.

Example interest rate tooltip text

8.25%

25.75%

On average, South Africans pay interest of 18% to 25.75%. We’ll offer you an interest rate based on your payment history and risk profile.

Our calculation is only an example of how the interest rate and fees can affect your repayments. Although we do our best to give you accurate calculations, they will not be binding on us. To confirm the latest interest rate or fees, please visit your nearest branch.

 

To get your loan
in 3 easy steps

Step 1

Step 2

Step 3

Step 1

Handshake

Simply apply online

Select "Get started" for a quick guide on how to apply for a loan. If you meet all the requirements, you can complete the online form.

Step 2

card icon

Consider your offer

We'll run some quick affordability tests, and if your credit score is in order we’ll offer you an amount that you can adjust to suit your needs.

Step 3

Submit-your-documents

Finalise your loan

Once you've accepted the offer, we may ask you to submit any documents that we might need before we can pay the money into your account.

How to consolidate, make secure payments, or win the money you've borrowed

coins-in-hand

Consolidate your loans

Combining loans into one personal loan with a fixed rate and structured repayment plan could save you money each month, while reducing your total loan repayments over time.

Learn more
writing-on-document

DebiCheck

Stay in control of your money with Debicheck. To help keep track of payments made from your account, we’ll ask you to approve your debit order just once before we set it up.

Learn more
winner's trophy

Stand a chance to win

Make better money choices with Greenbacks. By simply paying your monthly instalment on time, every time, you stand a chance to win the balance of your loan every three months.

Learn more

Ready to apply?

Get started

Need cash for a secondhand car, home improvements or other goods?

Secondhand car loans

We offer easy loans at approved dealerships.

Find out more
Home improvement loans

Get a loan at our partner stores for what you need.

Find out more
Accredited partner loans

Buy goods or get cash through our partners.

Find out more

See pricing guide for 2022