Find a Loan by Amount
From R500 to R50,000 — see exactly which of our lenders offer the specific amount you need, and what it's likely to cost under South Africa's statutory fee caps.
See the full comparison tableHow these amounts were chosen
Each of the ten amounts below was chosen for a specific, checkable reason — either it's the exact minimum or maximum one or more of our lenders state (for example, R4,000 is the shared ceiling for four different lenders), it marks a meaningful regulatory boundary (R8,000 is the upper limit of the National Credit Act's short-term credit transaction category), or it has independently confirmed search demand in our own keyword research. We haven't built a page for every conceivable Rand figure — only the ones where there's a genuine lender fit or a real reason someone would search for that specific amount.
On each amount page, you'll see exactly which lenders' published ranges include that figure, an illustrative cost breakdown under the relevant statutory cap, and answers to the questions most likely to matter at that amount — whether that's an NCA short-term credit example for a smaller figure, or the unsecured credit rate formula for a larger one.
Browse by amount
Sorted from smallest to largest. Each links through to a page showing which lenders offer that amount and what it's likely to cost.
Why the amount you borrow changes the interest cap that applies
Under the National Credit Act, the amount you borrow determines which statutory interest cap applies — it isn't the same rate across every figure on this page. Loans of R8,000 or less, repayable within six months, fall under the Act's short-term credit transaction category, capped at 5% interest per month on a first such loan, dropping to 3% per month on any further short-term loan you take within the same calendar year. That's why our R500 through R8,000 pages all show the 5%/3% short-term illustration.
Above R8,000, loans typically fall under the Act's unsecured credit transaction category instead, capped at the South African Reserve Bank's repo rate plus 21 percentage points per year — roughly 28% per year at the repo rate the Reserve Bank has held since its July 2026 decision. That figure moves automatically whenever the Reserve Bank changes the repo rate, so our R10,000 through R50,000 pages present it as an approximate, indicative figure rather than a fixed one. Whichever category applies, the cap is a legal ceiling, not a target — several of our lenders state rates below the maximum, and a written pre-agreement quotation from your chosen lender is always the figure to rely on.
Borrow only what you need
Whichever amount you're comparing, it's worth borrowing only what you actually need rather than the maximum a lender is willing to offer. A smaller loan is both easier to repay in full from your next income and reduces the total interest and fees you'll pay over the life of the loan — and under the National Credit Act, every registered credit provider is required to assess whether you can genuinely afford the repayment before approving you, regardless of the amount requested.
If you're not sure which amount fits your situation, our loan type pages group lenders by purpose rather than by exact figure, and our lender reviews cover each lender's full stated range in detail.
Questions about loan amounts
Why compare loans by amount instead of just by lender?
Not every lender on our panel offers every amount — several cap out at R4,000, while others reach R50,000 or more. Filtering by the exact amount you need is often faster than checking each lender's range individually, especially if you're not sure yet which lender to use.
What if I need an amount that isn't listed here?
These ten pages cover the amounts with the clearest lender fit or search demand, but they don't cover every possible figure. If you need, say, R3,000, check the R2,000 and R4,000 pages — most lenders whose range spans both will also cover amounts in between — or visit our full comparison table to see every lender's exact stated range.
Does a smaller loan amount mean a faster approval?
Not necessarily — approval speed depends more on the lender's own verification process than on the amount requested. That said, smaller amounts within the NCA's short-term credit category (R8,000 or less) are often processed with lighter documentation than larger amounts, which can make the overall process faster in practice.