No matter what your plans are, we've got a personal loan that suits your needs.


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Flexible loan amount and repayment term

We offer the widest range of personal loans of up to R350 000 with a loan repayment term of up to 84 months.

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You could be provisionally pre-qualified

If you’re an Absa customer you might provisionally pre-qualified for a personal loan. You can view your limits on Absa Online or at any Absa ATM.

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Get the best interest rate with our price guarantee

If you take out an Absa Personal Loan and you’re offered a lower interest rate elsewhere, we guarantee to beat it.

How it works

Terms and Conditions

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What you need to know

Repayment term:
From 12 to 84 months

Interest rate:
Personalised Annual Percentage Interest Rate (APR), up to the maximum of prime +17,5%.

Estimated interest repayment:
The estimated monthly repayment on a R50 000 loan taken over 36 months at an interest rate of 21% per month would be R1 997*.

*Includes a monthly service fee and one-off initiation fee.

Credit Protection Plan:

Be prepared for the unexpected and have peace of mind knowing you are covered. The Credit Protection Plan will cover you in case of death, disability, critical illness or retrenchment. You can get cover to protect your loan or facility with Absa Life Limited or any other licensed life insurer.

Apply now, it’s easy

  • What you need

    • To earn a regular monthly income of at least R2 000 per month
    • To have a bank account into which your income is paid
    • To be 18 years or older
  • What to bring with you

    • A valid South African ID document or Smart card
    • Proof of residential address such as a municipality or rates bill (not older than three months)
    • Latest three payslips or three months' bank statements
  • Ways to apply

Need more help?

Let one of our consultants help you get the best loan for your needs.

Call us on:

0860 100 372

Visit your nearest branch