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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 R250 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 and you’ll never be approved for a loan that’s greater than what you can repay. Please leave your name and number below and a friendly Budget consultant will get back to you as soon as possible.

With a Budget Personal Loan you’ll enjoy:

  • A personal loan from R1000 up to R250 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

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Loan Calculator

Monthly Repayment

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*Please note that the above calculator is for illustration purposes only. Based on a R69 Monthly Service Fee and a maximum annual percentage rate of 27.75%.

Loan repayment terms range from 12 months to 60 months. The maximum interest rate with regards to Budget Personal Loan* is 27.75% 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 27.75% would be: Loan amount of R7,500 borrowed for 24 months. Annual Interest Rate: 27.75%. Initiation fee (charged upfront): R936. Monthly service fee: R69 Total Amount payable: R13 338.Monthly instalment amount: R556. Please note our interest rate will never exceed the maximum as prescribed by the NCA of 27.75%. 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.