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Sanlam Personal Loans

Get a loan of up to R200 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

Earn Cash Back on Your Loan

Sanlam Reality is the loyalty programme that rewards you for looking after your money with discounts on wealth, health and lifestyle services.

If you are a member, you could be eligible for a cashback reward of up to 20% or R 20 000 after 12 months' monthly repayments on your Sanlam Personal Loan.

One cashback per loan agreement. Terms and conditions apply.

Discover how Sanlam Reality can work for you.


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 258.13
Total amount repayable R54 195.09
36 months R1 696.62
Total amount repayable R61 078.42
48 months R1 423.93
Total amount repayable R68 348.59
60 months R1 266.50
Total amount repayable R75 990.22
72 months R1 166.45
Total amount repayable R83 984.62
Loan amount R60 000
24 months R3 320.55
Total amount repayable R79 693.16
36 months R2 486.54
Total amount repayable R89 515.44
48 months R2 081.51
Total amount repayable R99 912.30
60 months R1 847.68
Total amount repayable R110 860.92
72 months R1 699.08
Total amount repayable R122 333.53
Loan amount R80 000
24 months R4 382.97
Total amount repayable R105 191.23
36 months R3 276.46
Total amount repayable R117 952.46
48 months R2 739.08
Total amount repayable R131 476.01
60 months R2 428.86
Total amount repayable R145 731.62
72 months R2 231.70
Total amount repayable R160 682.43
Loan amount R100 000
24 months R5 445.39
Total amount repayable R130 689.30
36 months R4 066.37
Total amount repayable R146 389.48
48 months R3 396.66
Total amount repayable R163 039.73
60 months R3 010.04
Total amount repayable R180 602.32
72 months R2 764.32
Total amount repayable R199 031.33
Loan amount R120 000
24 months R6 507.81
Total amount repayable R156 187.37
36 months R4 856.29
Total amount repayable R174 826.50
48 months R4 054.24
Total amount repayable R194 603.44
60 months R3 591.22
Total amount repayable R215 473.02
72 months R3 296.95
Total amount repayable R237 380.24
Loan amount R140 000
24 months R7 570.23
Total amount repayable R181 685.44
36 months R5 646.21
Total amount repayable R203 263.52
48 months R4 711.82
Total amount repayable R226 167.16
60 months R4 172.40
Total amount repayable R250 343.72
72 months R3 829.57
Total amount repayable R275 729.14

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.




Invest Online Back

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Call me back

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