Standard Bank personal loans range from R10,000 to R300,000, subject to your affordability assessment.
Standard Bank Personal Loan
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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Frequently Asked Questions
Your rate is personalised based on your credit profile and is fixed for the loan term. Rates typically range from ~13% to ~29% p.a., based on the SARB prime rate (~11.75%) plus a risk margin.
Yes. Standard Bank checks your credit record at TransUnion SA and Experian SA and conducts an affordability assessment as required by the National Credit Act.
Existing customers can receive same-day approval via the app. New customers typically receive a decision within 1–2 business days.
Yes. Early settlement is allowed at any time. An early settlement fee may apply in line with NCA provisions. Request a settlement quote via the app or online banking.
Yes. Standard Bank is a registered credit provider (NCRCP15), authorised by the FSCA under the FAIS Act and regulated by the SARB.
No. New customers can apply. However, existing customers benefit from faster processing and may have access to preferential terms.
Credit life insurance is optional. The cost and terms are disclosed in the pre-agreement statement as required by the NCA.
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.