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What is a personal loan?
A personal loan is generally associated with an unsecured loan. It is a great way to get cash when needed for an emergency, home improvements or leisure activities like weddings and holidays.
Personal loans can range between R1,000 and R200,000 with a minimum repayment of 12 months, and a maximum repayment period of 72 months. Repayments are typically calculated at 24.75% interest per annum. Once you have applied and received a loan, you will need to pay back the personal loan in monthly instalments over your chosen period.
Before you select a personal loan, you should make sure you have a good understanding of how much money you need and over what period. This will influence the interest rates charged and the terms in which the lender lends you the money.
Online personal loan applications
Looking for an online loan in South Africa? Applying for a personal loan online is easy with Hippo.co.za. Simply enter your ID number above, so that we can retrieve the necessary information for your application. Then, provide us with a few details about the personal loan amount required. We will then find you a range of personal loan options from leading South African loan providers.
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More About Personal Loans
Looking for the best Personal Loan deal for you? Compare a range of Personal Loan providers in minutes. Review our search comparison results, then simply select your preferred provider to request more information.
Personal Loan FAQ's
Have a question relating to Personal Loans? We’ve put together a comprehensive list of FAQs. Find out more about Personal Loans, so that you can make an informed decision when finding the right loan to suit your needs.
Personal Loans Glossary
Don’t be confused by some of the terms used when applying for a personal loan. Read through our Personal Loans glossary to help you learn more.
A quick guide to Personal Loans
Debt Consolidation Loans
Debt Consolidation Loans are used to pay off several smaller loans by merging them into one large loan. This leaves you with only one creditor to pay all your debts to, and often at a lower interest rate.
How to Pay off Debt
If you’re living with debt, you’ll know that it can be a constant cause for concern and worry every month when your bills arrive. But if you pay your monthly instalments on time, having debt does not have to make life difficult.
Long-Term Personal Loans
Long-Term Personal Loans allow you to borrow money from a financial institution with a relatively long period stipulated in which you have to pay it back. Personal Loans are most often used for sums of money that you are unable to provide at short notice.
Secured Loan
A Secured Loan is a loan that requires the borrower to offer the creditor some form of asset, such as a car or property as collateral until the loan has been paid off. After the loan has been settled in full, the borrower will retake full possession of the asset.
What Is A Credit Score?
A credit score is a numerical value financial lenders use to help them decide whether or not to approve your application for a loan or credit card. A good credit score means you’re more likely to repay your debt on time, while a bad credit score indicates you’re unlikely to repay your debt on time.
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