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Standard Bank Personal Loan

4.3 (412 reviews)

Standard Bank personal loan South Africa: R3,000 to R300,000, APR from 12.5%, term up to 72 months. No penalty for early settlement. TransUnion credit check. Review on CreditDeals.

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This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.

Standard Bank App — Manage Your Loan

The Standard Bank App allows existing customers to apply for, view, and manage their personal loans seamlessly.

Managing your Standard Bank Loan on mobile

The Standard Bank App provides a comprehensive dashboard for all your banking products, including personal loans.

Key loan features in the app

  1. Instant Application: Existing customers can navigate to the 'Borrow' section to see personalized, pre-approved loan offers. Accepting an offer often results in immediate funds transfer to your transactional account.
  2. Loan Tracking: Easily view your outstanding balance, your interest rate, and how many months are left on your term.
  3. Extra Payments: The app makes it simple to transfer extra funds from your checking account to your loan account, helping you reduce the principal and save on interest.
  4. Statements: Download official statements for proof of address or financial planning.
Sultan Kanatov, Editor-in-Chief, CreditDeals
Author
Sultan Kanatov
Editor-in-Chief, CreditDeals
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Verified by: CreditDeals Editorial Team
Published: 15 January 2026
Updated: 01 May 2026

This article is for informational purposes only and does not constitute financial advice. All lenders on CreditDeals are registered with NCR. Please read the contract carefully before signing. rating methodology.

Reviews about Standard Bank Personal Loan (1)

S
Sipho N.
3/18/2026
✓ Verified

Straightforward personal loan

Applied for R50,000 from Standard Bank online. TransUnion check was instant and I got approval within a day. The APR was clearly disclosed upfront — no hidden fees. Funds hit my account next morning.

✓ Pros
  • • Clear APR disclosure
  • • Fast approval
  • • No early settlement penalty
✗ Cons
  • • Rate higher for new customers
  • • Requires proof of income

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Standard Bank Personal Loan — Visit bank

Standard Bank personal loan South Africa: R3,000 to R300,000, APR from 12.5%, term up to 72 months. No penalty for early settlement. TransUnion credit check. Review on CreditDeals.

Visit website

This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.