RandCash

Personal Loans

Find the best personal loan by comparing rates, fees, and terms from registered South African lenders — all in one place.

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Flexible Personal Loans for Every Need

Whether you need to cover an unexpected expense, consolidate debt, fund home improvements, or make a major purchase, a RandCash personal loan gives you the financial flexibility you need. Our personal loans are unsecured, meaning you do not need to put up any collateral.

Why Choose RandCash Personal Loans?

  • Loan amounts from R500 to R250,000 to suit your specific needs
  • Repayment terms from 1 to 72 months for manageable monthly instalments
  • Competitive interest rates from 5% to 29.25% per annum based on your credit profile
  • Fast online application with a decision in as little as 24 hours
  • No hidden fees — all costs disclosed upfront as required by the NCA
  • Early settlement allowed at any time with no excessive penalties

How It Works

  1. Apply Online: Complete our simple application form in under 10 minutes. You will need your SA ID, proof of income, and bank details.
  2. Get Assessed: We conduct a credit check and affordability assessment as required by the National Credit Act.
  3. Receive Your Offer: If approved, you will receive a clear quotation showing the interest rate, fees, monthly instalment, and total repayable amount.
  4. Accept & Receive Funds: Once you accept the offer and sign the agreement, funds are deposited directly into your bank account.

Eligibility Requirements

To qualify for a RandCash personal loan, you must:

  • Be a South African citizen or permanent resident
  • Be at least 18 years of age
  • Have a valid South African ID document
  • Earn a regular income (employed, self-employed, or receiving a pension/grant)
  • Have an active South African bank account in your name
  • Not be under debt review, administration, or sequestration

Responsible Lending

RandCash is a registered credit provider (NCR Registration: NCRCP0000) committed to responsible lending. We conduct thorough affordability assessments to ensure you can comfortably afford your repayments. We will never lend you more than you can afford.

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AmountR500 – R250,000
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