Financial Tips & Guides

Expert advice to help you make smarter financial decisions and manage your money better.

regulations

Your Rights as a Borrower in South Africa: What the Law Says, Where to Complain, and What You Owe in Return

South Africa has strong borrower protection laws — most people just don't know about them. Here's every right you have, every place you can complain, and what the law expects from you too.

RandCash Editorial 29 Mar 2026 9 min read

regulations

Credit Life Insurance in South Africa: Do You Need It and What Does It Cover?

Lenders add credit life insurance to your loan — but what does it actually cover? We explain when it is compulsory, what it costs, what happens if you die, lose your job, or become disabled, and when you can opt out or use your own policy.

RandCash Editorial Team • 24 Mar 2026

8 min read

regulations

Repo Rate and Your Loan: How Interest Rate Changes Affect South African Borrowers in 2026

The SARB repo rate directly impacts what you pay on loans. We explain how the repo rate works, how it flows through to your personal loan or home loan rate, what the current rate means for borrowers, and how to prepare for changes.

RandCash Editorial Team • 23 Mar 2026

9 min read

regulations

NCA Maximum Interest Rates in South Africa 2026: Complete Rate Guide

A detailed breakdown of the maximum interest rates permitted under the National Credit Act for 2026, including rates by loan type, how they are calculated, and what consumers should know.

RandCash Editorial Team • 20 Mar 2026

8 min read