A Clientèle Loan can make your dream a reality

Loan Options Table

Choose the instalment and loan term that suits you. Loan values are available in increments of R1 000

24 Months Total amount
36 Months Total amount
48 Months Total amount
60 Months Total amount
R 5 000 R 395 R 9,479 R 319 R 11,498 R 283 R 13,589 R 262 R 15,748
R 15 000 R 1,022 R 24,535 R 806 R 29,032 R 703 R 33,736 R 644 R 38,633
R 30 000 R 1,928 R 46,261 R 1,509 R 54,335 R 1,308 R 62,807 R 1,194 R 71,656
R 60 000 R 3,738 R 89,712 R 2,915 R 104,939 R 2,520 R 120,949 R 2,295 R 137,701
R 80 000 R 4,945 R 118,680 R 3,852 R 138,675 R 3,327 R 159,711 R 3,029 R 181,731
R 100 000 R 6,152 R 147,648 R 4,789 R 172,411 R 4,135 R 198,473 R 3,763 R 225,762
R 120 000 R 7,359 R 176,615 R 5,726 R 206,147 R 4,942 R 237,234 R 4,497 R 269,792

Loans are subject to the National Credit Act No. 34 of 2005. All loan applications are considered and are subject to credit approval. The interest rates with regard to a Clientèle Personal Loan vary between 24%* and 31%* per annum (compounded monthly). All loans include a once-off initiation fee of up to R995* and a monthly service fee of R57*. Your rate and initiation fee will be determined according to your personal risk profile. For illustration purposes, the figures in this table are calculated at an interest rate of 29%*. The repayments indicated include the monthly premium for the Personal Protection Plan of R4.95* per thousand of your loan or part thereof. *Rates and fees are current as at 5 October 2012 and are subject to change at the discretion of Clientèle Loans Direct. If you are married in community of property or in terms of customary or foreign law , you are required to obtain consent from your spouse to enter into any credit agreement.

How do I apply?

All you need to do to apply is use our online application form for an instant decision, call us on
0861 253 253 or let us call you back. No face-to-face interviews and no unnecessary paperwork to fill in.

Provided you have a regular minimum income of R2 500 per month and clear credit references you can apply for a personal loan (proof of income will be requried if you are self-employed).

How much can I apply for?

You can apply for any amount from R2 000 up to R120 000 payable over 12 to 60 months. We will always do our best to determine what you can comfortably afford to repay by taking your current personal financial circumstances into consideration and then set your loan amount accordingly. Refer to the Loan Options Table above.

What can I do with the money?

That is up to you! If your loan amount is approved, the money is yours to do with as you wish! Pay for an important celebration, school fees, add a room to your house or maybe you could consolidate your retail and credit accounts into one, more manageable payment.

What about interest rate increases?

With a Clientèle Personal Loan, your monthly repayments are fixed - you never have to worry about interest rate increases, enabling you to budget and plan ahead with ease.

What is the Personal Protection Plan?

We offer a Personal Protection Plan, which settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. You also enjoy limited cover in the event of temporary disability and retrenchment. Of course, you are free to substitute this plan with a policy of your choice, providing the cover offered is equivalent.

Why choose a Clientèle Personal Loan?

  • Easy online or telephonic application
  • Fixed repayments
  • Fixed interest rate
  • No face-to-face interviews
  • No security required
  • Lines open 8 am to 8 pm, 7 days a week or apply online 24/7
  • Get an instant decision – apply online now
Apply Online

Call 0861 253 253

Let us call you back