Apply for a Personal Loan | Sanlam Credit Solutions
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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

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.

Contact Us

New Application

0861 44 00 44
8:00 to 20:00 | Monday – Sunday

Client Support

0861 20 40 60
8:00 to 17:00 | Week days

Monthly Loan Repayments

When you decide to take out a Sanlam Personal Loan*, our consultants will determine your interest rate and initiation fee according to your personal risk profile. Your loan repayment term can range from 24 to 72 months, and the interest rate is between 20.25% and 24.50% per annum (compounded monthly).

Let’s look at an illustrative example of a loan at an interest rate of 24.50% per annum: The loan amount is R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69, over 72 months. This means that the total cost of the loan will be R102 085.93, which is a maximum Annual Percentage Rate (APR) of 27.29%.

*Loans are subject to the National Credit Act, No. 34 of 2005. Loans from Sanlam Personal Loans are administered and managed by DirectAxis, an authorised Financial Services Provider. Sanlam Personal Loans (Pty) Ltd Reg. No. 2001/016316/07, Registered Credit Provider (NCRCP272), is a joint venture between Sanlam Life Insurance Ltd and DirectAxis SA (Pty) Ltd. Reg. No. 1995/06077/07.

For more detailed information, visit the Personal Loans page.

Personal Loans

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