Personal Loans

Our approach to lending has always been, and always will be, personal. We’ve helped individuals in South Africa, but we know that every customer is different. With us, you can take out a personal loan from R5,000 up to R1,000,000, with some of the most competitive rates on the market. Once your first payment has been made, you'll even be able to choose the day that the rest of your monthly payments go out.

You might be looking for a R100,000 loan to top-up your wedding funds, R200,000 to help renovate your home, or R300,000 for a brand new car. Whatever your goal is, we’ll have a tailor-made low APR personal loan to help you get there. We know that when you’re looking for an online loan, you want more than great rates; you want a great reputation for service too. Our customer satisfaction score is consistently 98% or higher, so you can count on a first-rate experience from application to approval.

Car Loans
Engineered for speed and ease, our car finance loans offer competitive rates and access funds within 24 hours (excluding bank holidays).

Home Improvement Loans
Whether you need a loan for renovation, conversion, a conservatory or a loft extension, you’ll feel right at home with a home improvement loan designed around you.

Small Loans
Sometimes little loans can make a big difference. If you’re looking for small loans online between R5,000 and R50,000, we offer some of the best rates on the market.

Leisure Loans
Wedding, holiday or caravan, our leisure and lifestyle loans help create moments you'll always remember. With terms of 2-7 years, payments can be tailored to suit you.

To apply for a personal loan?
Apply online on our website and send the required supporting documents via email to
1. Copy of ID or passport
2. Last 3 months personal bank statements or payslips

Application takes less than 5 minutes. Apply Now

See what our customers say about us

You want great service, who wouldn’t? Well, we’re proud to deliver
nothing short of excellence and our customers seem to agree!

Take a look at genuine reviews from our happy customers who we’ve helped get a loan. see reviews

How about a Business Loan?

Find out your chances of being approved for a loan with no impact on your credit score.

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Finsap Loans is a direct loan lender offering different loan types.

More about our products

Personal Loans

Our approach to lending has always been, and always will be, personal. We’ve helped individuals in South Africa, but we know that every customer - Find out more.

Business Loans

Business loans are very common and one of the first options for businesses looking to raise finance.
The lender provides money that you, as the borrower, pay back - Find out more.

Debt Consolidation Loans

A debt consolidation loan is designed to help you get on top of any outstanding credit you have by moving some or all your debt - Find out more.

Home Loans

Our award-winning range of home finance products let you release tax-free cash from your home, second home or buy-to-let property, without the need to sell or transfer ownership. – Find out more.

Loans for Blacklisted

Many people believe that by having a bad credit history you are barred from being able to get a loan in the future and that your details – Find out more.

PayDay Loans

A payday loan is a short-term, small loan that you repay once you receive your next pay – Find out more.

Home Improvement Loans

A home improvement loan allows you to spread the cost of your project with a clear view of what you'll pay each month from the start – Find out more.

Can we help you today? Whether it’s a question or you just need support, we’re here to help.Get in touch