π° Loan range: R1,000 R350,000 (personal loans) π Key rule: Max instalment ≈ your discretionary income π DTI limit: 36% of gross income (NCA … Read More
⚡ Rejection rate: Up to 7080% of loan applications declined in 2025 π Top cause: Poor credit history & affordability failure π§ Most fixable: Incomplete … Read More
Prime Rate (2026) 10.25% Typical Rate Range 15%28% NCA Max Rate (Unsecured) 34.85% Max Monthly Service Fee R60 Earning R10,000 a month puts you above … Read More
π‘ Decision Guide π Updated April 2026 ⏱ 9 min read πΏπ¦ South Africa R8 000 a month puts you at a pivotal point in … Read More
π‘ Decision Guide π Updated April 2026 ⏱ 9 min read πΏπ¦ South Africa South Africas personal loan market runs on a legal maximum of … 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