Online Loan Application | Apply with Sanlam Personal Loans
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Apply for a Loan Online

Get a 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.

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 – use our loan calculator to determine how much you can afford.

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 12 months to 6 years, and the interest rate is between 16% and 29.25% per annum (compounded monthly).

Let’s look at an illustrative example of a loan at an interest rate of 24.5% 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 over 6 years. 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. Registered Credit Provider (NCRCP272)

For more detailed information, visit the Personal Loans page.

Personal Loans

Copyright © 2021 | All rights reserved. | Sanlam Life Insurance Limited is a Licensed Financial Services Provider and a Registered Credit Provider.