DirectAxis
DirectAxis offers personal loans from R1,000 - R100,000 with 25.5% APR. NCR-registered lender with flexible repayment terms.
About DirectAxis
DirectAxis is an NCR-registered credit provider offering personal loans to South African consumers. With loan amounts ranging from R 1 000 to R 100 000 and flexible repayment terms, DirectAxis provides accessible credit solutions.
📊 Key Facts about DirectAxis
| Type of entity | Credit Provider |
| Minimum amount | R 1 000 |
| Maximum amount | R 100 000 |
| Available terms | 3 - 60 months |
| Typical APR | 25.5% |
| Approval time | Same day |
| Payout | Same day |
| Regulated by | NCR (Registration NCRCP1405) |
| Credizen Rating | 4.2/5.0 ⭐ |
Loan Specialist | 25 years of experience
DirectAxis offers a solid and reliable service in the fast-loan sector in South Africa. The available amounts (up to R 100 000) are suitable for most everyday financial emergencies. I recommend DirectAxis especially for those who value speed and transparency in the credit process.
When to use DirectAxis?
- ✓ Significant medical expenses or treatments
- ✓ Emergencies you can resolve quickly
- ✓ Home repairs or vehicle maintenance
- ✓ Debt consolidation (with proper planning)
- ✓ Unexpected expenses that cannot wait
- ✓ When you need money within 24-48 hours
"As an expert with 25 years in the financial sector, I evaluate each lender based on transparency, real costs, and user experience. This recommendation is continuously updated based on market changes."
🔒 Security and regulation
Regulated by NCR
DirectAxis is registered with the National Credit Regulator (NCR) under registration NCRCP1405.
Data protection
Complies with the Protection of Personal Information Act (POPIA). Your information is encrypted and not shared without authorization.
Cost transparency
All costs must be included in the APR (Annual Percentage Rate). Demand to see the total cost before signing any agreement.
Consumer rights
Protected by the National Credit Act (NCA) and Consumer Protection Act. You have the right to early settlement without penalties in most cases.
Loan Details
Loan Amounts
Repayment Terms
Interest Rate
Representative example. Actual rate depends on your credit profile.
Key Features
Loan Cost Example
Representative Example: This shows estimated costs for a typical loan. Your actual costs may vary based on your credit profile.
Loan Details
| Loan Amount | R 10 000 |
| Loan Term | 12 months |
| APR | 25.5% |
| Monthly Payment | R 1 046 |
Cost Breakdown
| Principal Amount | R 10 000 |
| Total Interest | R 2 550 |
| Initiation Fee (est.) | R 1 140 |
| Total Amount to Repay | R 13 690 |
Ready to Apply at DirectAxis?
Get loans from R 1 000 to R 100 000 with 25.5% APR. Fast approval - often same day!
Apply Now at DirectAxisEligibility Requirements
- ✓ Age 18-64 years
- ✓ South African citizen or permanent resident
- ✓ Minimum monthly income R3,500
- ✓ Valid bank account
- ✓ Active cellphone number
- ✓ South African bank account
- ✓ Valid ID document
Advantages & Disadvantages
✓ Pros
- • Fast approval within 1 hour
- • 100% online application process
- • Up to R100,000 loan amount
- • Flexible repayment terms up to 60 months
- • RCS Group brand with 30+ years experience
- • Long terms that facilitate monthly payments
- • NCR registered (NCRCP1405)
✗ Cons
- • Higher APR range 16%-35%
- • Credit life insurance mandatory
- • Initiation fees apply
Frequently Asked Questions
How much can I borrow from DirectAxis?
You can borrow between R 1 000 and R 100 000, depending on your credit profile and affordability assessment.
What is the interest rate at DirectAxis?
DirectAxis offers loans with an APR example of 25.5%. The actual rate you receive will depend on your individual credit assessment and affordability.
How long are the repayment terms?
Repayment terms range from 3 to 60 months, giving you flexibility to choose a term that suits your budget.
Is DirectAxis registered with the NCR?
Yes, DirectAxis is a registered credit provider with the National Credit Regulator (NCR) (Registration: NCRCP1405), ensuring compliance with the National Credit Act.
Can I apply for DirectAxis loans from any city in South Africa?
Yes, DirectAxis accepts applications from residents across South Africa, including major cities like Johannesburg, Cape Town, Durban, Pretoria, and many others. The application process is fully online, making it accessible regardless of your location.
How do I know if I can afford a loan from DirectAxis?
DirectAxis conducts an affordability assessment as required by the National Credit Act. Your monthly repayment should not exceed 30-35% of your net monthly income. Use the loan cost calculator on this page to estimate your monthly payment.
What are the alternatives to DirectAxis?
If DirectAxis doesn't meet your needs, consider other NCR-registered lenders offering similar loan amounts and terms. Compare multiple options to find the best rates and terms for your situation.
How long does it take to get approved by DirectAxis?
DirectAxis typically provides fast approval decisions, often within hours of application. Once approved, funds can be disbursed quickly, sometimes on the same day.
Can I settle my DirectAxis loan early?
Under the National Credit Act, you have the right to settle your loan early. Contact DirectAxis directly to get an early settlement quote. Early settlement may reduce the total interest paid, but check if any early settlement fees apply.
What fees does DirectAxis charge?
DirectAxis charges fees in accordance with NCR regulations. Common fees include an initiation fee (capped at 15% of the loan amount, maximum R1,140) and monthly service fees (maximum R60). Always review your loan agreement for the complete fee structure before signing.
Available in Major South African Cities
DirectAxis accepts loan applications from residents across South Africa. Apply online from these major cities and more:
Apply Now
NCR Registered • Secure Application
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Find the best personal loan for your needs by comparing rates, terms, and features from NCR-registered lenders.
View All LendersDisclaimer: Credizen is a comparison platform and not a lender. We receive compensation from DirectAxis when you apply through our site. Loan approval and terms are subject to DirectAxis's credit assessment and affordability checks.
Responsible Lending: Before applying, ensure you can afford the monthly repayments. Defaulting on credit agreements can negatively affect your credit score. This information is provided for comparison purposes only. Always read the terms and conditions from DirectAxis before accepting a loan offer.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000