Sanlam Personal Loans | Online Loan Application
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Skip Navigation LinksPersonal Loans

Sanlam Personal Loans

By completing a simple online loan application you can get a personal loan of up to R300 000 at a fixed interest rate and earn up to 10% of your loan amount in Wealth Bonus®, Sanlam’s monetary reward for qualifying products.

At the end of your loan term, you could opt to have your Wealth Bonus paid into an EasyEquities account so you can continue to grow your Wealth Bonus. Should you not open an EasyEquities account, the money will be paid into your bank account.

Read more or watch our video about how good credit can work for you as part of your financial planning.

Talk to us.

New Application


0861 44 00 44

Monday to Friday 08:00am - 08:00pm
Saturday 8:00am - 08:00pm
Sunday - 08:00am - 14:00pm

Client Support


0861 20 40 60


Monday to Friday 08:00am - 08:00pm
Saturday 8:00am - 08:00pm

Apply Online

See if you qualify or phone 086 144 0044 to apply.

How it Works

How Sanlam Personal
Loans work.


Complete your saved loan application.

Credit Profile

Get your free monthly credit dashboard.

Live a Life of Confidence with Sanlam Personal Loans.

Apply for a Loan Online

Whether you need money for unexpected expenses or to fund a specific project, like starting a small business, study further or renovate your home, Sanlam can help you access a fixed interest rate personal loan up to R 300 000.

Apply now

How to Streamline Your Application

To streamline your application, please upload the following documents through our easy online application portal:

  • A clear copy of your South African ID
  • A recent document confirming your residential address
  • Up to 3 months’ recent, original bank-generated PDF statements (available via e-mail from your bank or from your banking app) or payslips, as proof of income

Don't Become a Victim

The financial world attracts plenty of bad people looking to take advantage of good people like you. We urge you to constantly be on the lookout for suspicious emails and messages, and tread lightly around potential scam artists who claim to be affiliated with Sanlam. We assure you that Sanlam is in no way involved, and we therefore discourage you from responding to any fraudulent offers.

Online fraudsters are targeting anyone and everyone. Before you open an email or SMS, always ensure that the sender is someone you trust and that you recognise the email address or phone number. Should you receive a loan offer, investment opportunity, or any piece of Sanlam communication that makes you feel uneasy, please contact our customer care team or report it to your local police station.

Learn how to spot a scam

How Sanlam Loans Work

  • You can apply for any amount, from R5 000 to R300 000 in increments of R1 000
  • You can tailor your repayment term to suit your budget (from 12 months to 6 years)
  • Repayments 12 months to six years
  • Sanlam will always take your current financial circumstances into consideration and never lend you more than you can comfortably afford to repay
  • Use our loan calculator to see how much you can afford

What You Need to Know about Debit Order Authorisation

The South African Reserve Bank and the Payments Association of South Africa have introduced a new initiative called DebiCheck, as a way to help protect South Africans against fraudulent and incorrect debit order authorisations.

We have now also adopted DebiCheck as part of our processes – which we will be gradually introducing to our clients. This simply means that, should you decide to take out a loan with us, we may ask you to authorise your debit order with your bank.

You can learn more on the DebiCheck website.

How Our Clients Use Their Loans

Sanlam promotes responsible lending. Here’s how our clients use their loans to promote wealth:

on debt consolidation

on home improvements

on education

Learn to Manage Credit

Earn Wealth Bonus of up to 10%
of your loan amount.

Learn more

Frequently Asked Questions

How much can I apply for?

You can apply for any amount, from R5000 and R300 000 in increments of R1 000.

If I'm approved, how soon will I get my money?

With a Sanlam Personal Loan your loan amount will be deposited quickly and directly into your bank account.

Do I need to provide any documents?

When applying for a loan you will need to provide the following:

  • A copy of your green barcoded ID book or Smart ID card
  • Your last 3 months’ consecutive payslips or bank statements
  • Your bank account details (account into which your salary is paid)

Do I have to provide collateral to secure my personal loan?

No, you don't as the Sanlam Personal Loan is unsecured.

Do I need to obtain permission from my spouse in order to take out a loan?

If you are married in community of property or under customary or foreign law, you will require consent from your spouse to enter into any credit agreement.

Can I be refused a loan?

Sanlam will always do its best to accommodate your requests, but ultimately your final loan amount will be based on your personal financial profile and is subject to credit approval.

I’m a South African citizen but I don’t live here. Can I still take out a loan?

To qualify for a loan you have to both work and live in South Africa.

Can I use my personal loan amount as I choose?

The money is yours to spend as you see fit.

What are the loan repayment terms?

Repayment terms for a Sanlam Personal Loan range from 12 months to 6 years (72 months) and are based on the loan option tables below. Use these tables to get an indication of what your monthly repayments could be.

Loan amount R40 000
12 months R4 204.94
Total amount repayable R50 459.26
24 months R2,491.07
Total amount repayable R59,785.76
36 months R1,935.36
Total amount repayable R69,673.07
48 months R1,668.72
Total amount repayable R80,098.58
60 months R1,517.21
Total amount repayable R91,032.38
72 months R1,422.76
Total amount repayable R102,438.90
Loan amount R60 000
12 months R6,212.31
Total amount repayable R74,547.72
24 months R3,666.62
Total amount repayable R87,998.95
36 months R2,841.20
Total amount repayable R102,283.19
48 months R2,445.14
Total amount repayable R117,366.83
60 months R2,220.09
Total amount repayable R133,205.47
72 months R2,079.81
Total amount repayable R149,746.25
Loan amount R80 000
12 months R8,219.68
Total amount repayable R98,636.18
24 months R4,842.17
Total amount repayable R116,212.14
36 months R3,747.04
Total amount repayable R134,893.31
48 months R3,221.56
Total amount repayable R154,635.08
60 months R2,922.98
Total amount repayable R175,378.56
72 months R2,736.86
Total amount repayable R197,053.61
Loan amount R100 000
12 months R10,227.05
Total amount repayable R122,724.64
24 months R6,017.72
Total amount repayable R144,425.34
36 months R4,652.87
Total amount repayable R167,503.43
48 months R3,997.99
Total amount repayable R191,903.34
60 months R3,625.86
Total amount repayable R217,551.65
72 months R3,393.90
Total amount repayable R244,360.97
Loan amount R120 000
12 months R12,234.42
Total amount repayable R146,813.10
24 months R7,193.27
Total amount repayable R172,638.53
36 months R5,558.71
Total amount repayable R200,113.55
48 months R4,774.41
Total amount repayable R229,171.59
60 months R4,328.75
Total amount repayable R259,724.74
72 months R4,050.95
Total amount repayable R291,668.32
Loan amount R140 000
12 months R14,241.80
Total amount repayable R170,901.56
24 months R8,368.82
Total amount repayable R200,851.72
36 months R6,464.55
Total amount repayable R232,723.67
48 months R5,550.83
Total amount repayable R266,439.84
60 months R5,031.63
Total amount repayable R301,897.83
72 months R4,708.00
Total amount repayable R338,975.68

Will my loan repayments be affected by interest rate fluctuations?

No. The interest rate on your loan will be fixed at our current interest rate for your full loan term, so your repayments will never increase, even if the interest rate goes up.

Can I choose how I make my repayments?

For your convenience, your repayments will be deducted by debit order from the bank account into which your salary is paid every month.

How can I protect my family?

Every Sanlam Loan includes our Personal Protection Plan, which settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. It also provides limited cover in the event of temporary disability and should you be retrenched, a once-off payment equal to six instalments will be paid out to you. Of course, you're free to substitute the plan with a policy of your choice, providing the cover offered is equivalent.

Resume Your Application

Did you start the loan application process but forgot to finish it? Rest assured we have saved your progress and your information is in safe hands. Simply visit our secure application platform to pick up where you left off and complete your online application.

Language Preference

You can request the below documents in English, Afrikaans, isiZulu or isiXhosa by sending an email to

  • Personal Loans agreements
    - Quotes and cost of credit documentation
    - Enforcement notices
  • Credit Life policy summaries
  • Marketing material

Terms and Conditions for personal loan agreements are available in English and Afrikaans.




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