Standard Bank Personal Loans

Standard Bank Personal Loans

Looking for a personal loan? Apply online via internet banking or our banking app and choose the loan and repayment terms that best suit your needs.

Term Loan

Get a personal loan at a fixed monthly repayment amount and pay it off at a term you feel comfortable with.

Revolving Loan

A Revolving Loan gives you access to money whenever you need it without having to reapply for credit – you simply need to repay 15% of your loan.


Our Overdraft facility gives you instant access to additional funds when you need them the most; putting financial freedom in your hands.

You can apply for a minimum loan amount of R3 000 to a maximum loan amount of R300 000. Our service fees are R69 per month for all loans and our once-off initiation fees range from R419.75 up to R1207.50 (VAT inclusive).

Our loan repayment terms range from a minimum of 12 months to a maximum of 72 months. Our interest rates are personalised up to a maximum of 24.75% as per the NCA regulation. The Annual Percentage Rate (APR) for your personal loan is 17.65% as per the NCA regulation.