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Sanlam Personal Loans

Get a loan of up to R250 000 at a fixed interest rate.

Whether you need money for unexpected expenses, a medical emergency, or to fund a specific project, Sanlam can offer you a fixed interest rate personal loan according to your needs and circumstances. We are a responsible lender and will never lend you more than you can comfortably afford to repay.

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

Apply Online

See if you qualify or phone +27 86 144 0044 to apply.

How it Works

How Sanlam Personal
Loans work.


Complete your saved loan application.

Credit Profile

Get your free monthly credit dashboard.

Apply Online

Whether you need money for unexpected expenses or to fund a specific project, Sanlam Credit Solutions can help you access a fixed interest rate personal loan. Complete the form below to see if you qualify.

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 Personal Loans Work

  • You can apply for any amount, from R5 000 to R200 000 in increments of R1 000
  • You can tailor your repayment term to suit your budget (from 24 months to 6 years)
  • Repayments are fixed for your full loan term, so that you can budget ahead easily
  • Sanlam will always take your current financial circumstances into consideration and never lend you more than you can comfortably afford to repay
  • Qualifying Sanlam Reality members could get up to 20% of their loan repayments back once they’ve made 12 consecutive repayments

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

Frequently Asked Questions

How much can I apply for?

You can apply for any amount, from R5000 and R20 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 24 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
24 months R2,273.62
Total amount repayable R54,567.00
36 months R1,712.95
Total amount repayable R61,666.33
48 months R1,441.15
Total amount repayable R69,175.07
60 months R1,284.60
Total amount repayable R77,076.00
72 months R1,185.39
Total amount repayable R85,348.23
Loan amount R60 000
24 months R3,343.57
Total amount repayable R80,245.58
36 months R2,510.80
Total amount repayable R90,388.69
48 months R2,107.08
Total amount repayable R101,139.92
60 months R1,874.56
Total amount repayable R112,473.69
72 months R1,727.21
Total amount repayable R124,358.97
Loan amount R80 000
24 months R4,413.51
Total amount repayable R105,924.15
36 months R3,308.64
Total amount repayable R119,111.05
48 months R2,773.02
Total amount repayable R133,104.77
60 months R2,464.52
Total amount repayable R147,871.37
72 months R2,269.02
Total amount repayable R163,369.70
Loan amount R100 000
24 months R5,483.45
Total amount repayable R131,602.73
36 months R4,106.48
Total amount repayable R147,833.41
48 months R3,438.95
Total amount repayable R165,069.62
60 months R3,054.48
Total amount repayable R183,269.06
72 months R2,810.84
Total amount repayable R202,380.43
Loan amount R120 000
24 months R6,553.39
Total amount repayable R157,281.31
36 months R4,904.33
Total amount repayable R176,555.77
48 months R4,104.88
Total amount repayable R197,034.46
60 months R3,644.45
Total amount repayable R218,666.74
72 months R3,352.65
Total amount repayable R241,391.16
Loan amount R140 000
24 months R7,623.33
Total amount repayable R182,959.89
36 months R5,702.17
Total amount repayable R205,278.13
48 months R4,770.82
Total amount repayable R228,999.31
60 months R4,234.41
Total amount repayable R254,064.42
72 months R3,894.47
Total amount repayable R280,401.89

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.

Qualifying Sanlam Reality members could get up to 20% of their loan repayments back once they’ve made 12 consecutive repayments. For more information on how to join, visit the Sanlam Reality website.

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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