💰 Loan range: R1,000 – R350,000 (personal loans) 📊 Key rule: Max instalment ≈ your discretionary income 📉 DTI limit: 36% of gross income (NCA … Read More
⚡ Rejection rate: Up to 70–80% of loan applications declined in 2025 📋 Top cause: Poor credit history & affordability failure 🔧 Most fixable: Incomplete … Read More
Minimum Score 580–650 Major banks Credit Bureaus 4 SA registered Credit-Active 18.5M South Africans In Delinquency 33.4% Personal loan accounts NCA Maximum APR 60% Poor-credit … Read More
Prime Rate · April 2026 10.25% Lowest since the COVID-19 pandemic NCA Rate Cap 27.75% Maximum any lender can legally charge Lowest Advertised Rate 12% … Read More