Get a facility of up to R150 000 that offers you credit when you need it, without reapplying for funds.

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Manage your finances with our fixed repayment

With a revolving facility you can manage your finances with our fixed repayment monthly.

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Get the best interest rates

If you take out an Absa Revolving Credit Facility and another lender offers you a lower interest rate, we’ll reduce our rate to beat it. Terms and conditions apply.

How it works

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No need to reapply for your existing funds

Once you've paid off 15% of your loan amount, you can access the full amount without having to reapply.

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What you need to know


A revolving credit is a loan facility that continuously revolves. You can apply for a facility between the amount of R15 000 and R150 000. The facility does not have a maximum loan term as the term is indefinite.

Once 15% of the facility limit has been repaid, you can revolve back to the original facility limit or any other amount lower than the limit. Your monthly payments stay consistent and will only change should service fees change.

Credit life can be selected as an optional feature on the revolving product which is an insurance cover that protects you in the case where you cannot repay the loan due to death, disability, loss of income or dreaded disease.

Repayment term:
Minimum: 12 months
Maximum: The term is infinite

Interest rate:
Receive personalised Annual Percentage Interest Rate (APR), up to the maximum of prime +14%.

Estimated interest repayment:
A monthly repayment of at least R1 319 can be expected of a revolving credit facility taken for R50 000.
*Includes a monthly service fee and once-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.

How do I apply

  • What you need to apply

    • A valid South African ID document or Smart card
    • You must be 18 years of age
    • Proof of residential address such as a municipal or rates bill and cellphone statement
    • A regular monthly income of R8 000 or more per month
    • An Absa bank account into which your monthly salary is paid

  • Where can I apply

Apply now

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