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Loans by amount

Pick the figure you actually need. Each page works the cost out at the National Credit Act maximum for that amount, so you can see the ceiling before anyone quotes you, and shows which providers publish an amount range that covers it.

Loans by amount 12

R500 loanBorrowing exactly R500R1 000 loanBorrowing exactly R1 000R1 500 loanBorrowing exactly R1 500R2 000 loanBorrowing exactly R2 000R2 500 loanBorrowing exactly R2 500R3 000 loanBorrowing exactly R3 000R4 000 loanBorrowing exactly R4 000R5 000 loanBorrowing exactly R5 000R6 000 loanBorrowing exactly R6 000R8 000 loanBorrowing exactly R8 000R10 000 loanBorrowing exactly R10 000R20 000 loanBorrowing exactly R20 000

R8 000 is where the rules change

Short-term credit under the National Credit Act means up to R8 000, repayable within six months. Inside that boundary a specific set of maximum charges applies. Above it you are in a different credit category with a different cap structure, and a loan of R10 000 is not simply a larger version of a loan of R5 000.

That is why the pages either side of the boundary read differently. Below it, the arithmetic is fixed and the question is affordability. Above it, the rate becomes a real variable and the quote you are given matters more than any published maximum.

Related

Loan repayment calculatorLoan interest rates in South AfricaTypes of short-term loanAll categories

Sources and last checked

Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.