Personal Loan & Credit Calculators

Understand the true cost of unsecured credit in South Africa — including the credit life premium most quotes hide and the NCA maximum rate — before you sign.

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Personal Loan Calculator

Unsecured loan instalments with the NCA rate-cap check and a month-by-month credit life simulation.

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Debt Consolidation Calculator

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Combine multiple debts into one and see the instalment and total interest you'd save.

Loan Comparison Tool

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Put two or three loan offers side by side and rank them by true total cost.

Personal Loans Guides

Plain-language explainers to go with the tools.

Credit Life Insurance Explained

The NCA caps, your right to substitute your own policy, and five questions before signing.

How to Improve Your Credit Score

What banks actually look at, and what a better score is worth on your rate.

Questions

What is the maximum interest rate on a personal loan in South Africa?

The NCA caps unsecured credit at the repo rate plus 21% — currently 28%. The Personal Loan Calculator warns you if a rate exceeds this cap.

Is credit life insurance included in the calculation?

Yes. The Personal Loan Calculator simulates credit life on the declining balance at the NCA cap of R4.50 per R1,000 per month, a cost most quick quotes leave out.