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Personal Loans

Everybody experiences a time when a little extra money would go a long way, whether it’s to help you create a new home or pay for unexpected medical costs! This is exactly why Budget has made sure that you can get a Budget Personal Loan* of up to R150 000. Don’t worry, though, Budget Personal Loans are compliant with the National Credit Act, which means your loan will be subjected to credit approval.

With a Budget Personal Loan you’ll enjoy:

  • A personal loan from R1000 up to R150 000
  • Fast, paperless application process
  • Decision in seconds
  • Cash in your account within 24 hours
  • Flexible repayment options; choose from 12 to 60 months
  • Fixed monthly repayments
  • Free monthly statement via email or SMS
  • Optional customer Protection Insurance
  • Interest from as low as 15%

What you need to apply:

  • Be 18 years or older
  • Have a valid SA ID or Drivers License
  • Have a bank account
  • Be employed and earn R2 000 or more per month
  • You will be required to provide proof of income documentation

Have a few questions? Click here to read our FAQ's. *Budget Personal Loans Call Centre Hours: Mon-Thur 8am-7pm, Fri 8am-9pm, Sat 8am-6pm, Sun 9am-5pm and Public Holidays 9am-5pm.

To speak to a personal loans consultant call 0861 877 774

Loan repayment terms range from 12 months to 60 months. The maximum interest rate with regards to Budget Personal Loan* is 24.50% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile. An illustrative example of a loan at an interest rate of 24.50% would be: Loan amount of R7,500 borrowed for 24 months. Annual Interest Rate: 24.50%. Initiation fee (charged upfront): R1207. Monthly service fee: R69 Total Amount payable: R13005.72. Monthly instalment amount: R542. Please note our interest rate will never exceed the maximum as prescribed by the NCA of 24.50%. Fees subject to change based on risk profile.

Budget Personal loans are administered and managed by RCS, a registered Credit and authorised Financial Services Provider. NCRCP 38/FSP 44481.