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What's new in online banking

Easy, no hassle approval for your Personal Loan

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How to apply and get your money fast

All you need is

Your ID book or card
Proof of residence (not older than 3 months)
Last 3 months payslips or bank statements

You can apply via the Mobile Banking App, Online, through the branch or by calling 0860 100 372.

We've got the personal loan for you

Flexible amounts and repayments

Choose from our wide range of Personal Loans of up to R350 000 with flexible terms up to 84 months.

Calculate my repayments

Switch your personal loan and save

Combine all your loans into one Personal Loan and save. You'll only be paying off one loan with the best interest rates guaranteed.

Best interest rates

If you’re offered a lower interest rate anywhere else we will beat it - guaranteed.

What you need to know

Do I qualify for a personal loan?
To apply for a personal loan over 12 months or more, you need to:

Earn a regular monthly income of at least R2 000 per month

Have a bank account into which your income is paid

Be 18 years or older

To apply for a smaller personal loan over 2 to 6 months, you need to:

Earn a regular monthly income of at least R1 500 per month

Have an active Absa bank account into which your income is paid

Be 18 years or older
You may have a provisional personal loan offer

If you’re already an Absa customer you may have a provisional loan offer available. You can see if you qualify now online.
Do I need Credit Protection if I apply for a loan?

Yes. We offer credit life insurance which is mandatory for all personal loans. With our Credit Protection Plan we cover you in the event of death, disability, critical illness, terminal illness or loss of income.
How does Price Guarantee work?

If you are offered a lower interest rate elsewhere, we’ll better it!

How it works

Terms and conditions

Claim form

Apply now Other loan options

Why protect your credit with Absa?

An Absa Credit Protection Plan will alleviate your family's financial burden if you are permanently or temporarily disabled, diagnosed with a critical illness, terminal illness, loss of income or at the event of your death.

Untimely death

Have Absa credit agreements and worry about not being able to pay them if something should happen to you.

Disability or illness

Want your loan to be paid in full for death, permanent disability, terminal illness and critical illness.

Loss of income

Want monthly instalments on your loan to be paid for a period if you are unable to earn an income or are temporarily disabled.

What could my loan instalment be?

Repayment term:
From 12 to 84 months (from 2 months for current Absa customers)

Interest rate:
Personalised Annual Percentage Interest Rate (APR), starting from a minimum of 13,75% per annum.

Estimated interest repayment:
The estimated monthly repayment on a R50 000 loan taken over 36 months at an interest rate of 18% per annum would be R2 113*.
*Includes all service and initiation fees.

Credit Protection Plan:
The Absa Credit Protection Plan will cover you in the event of death, disability, critical illness, terminal illness or loss of income. Credit life insurance is mandatory for all personal loans.

Calculate my instalment