Real People
Real People offers personal loans from R500 - R8,000 with 52.5% APR. NCR-registered lender with flexible repayment terms.
About Real People
Real People is an NCR-registered credit provider offering personal loans to South African consumers. With loan amounts ranging from R 500 to R 8 000 and flexible repayment terms, Real People provides accessible credit solutions.
📊 Key Facts about Real People
| Type of entity | Credit Provider |
| Minimum amount | R 500 |
| Maximum amount | R 8 000 |
| Available terms | 1 - 6 months |
| Typical APR | 52.5% |
| Approval time | Same day |
| Payout | Same day |
| Regulated by | NCR (Registration NCRCP389) |
| Credizen Rating | 3.8/5.0 ⭐ |
Loan Specialist | 25 years of experience
Real People is a viable option for those seeking quick loans, though with some considerations. The more limited amounts (up to R 8 000) make Real People ideal for urgent minor expenses. Make sure to compare conditions well and read all terms before applying.
When to use Real People?
- ✓ Emergencies you can resolve quickly
- ✓ 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
Real People is registered with the National Credit Regulator (NCR) under registration NCRCP389.
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 | 52.5% |
| Monthly Payment | R 1 271 |
Cost Breakdown
| Principal Amount | R 10 000 |
| Total Interest | R 5 250 |
| Initiation Fee (est.) | R 1 140 |
| Total Amount to Repay | R 16 390 |
Ready to Apply at Real People?
Get loans from R 500 to R 8 000 with 52.5% APR. Fast approval - often same day!
Apply Now at Real PeopleEligibility Requirements
- ✓ Age 18-60 years
- ✓ South African citizen
- ✓ Minimum monthly income R1,500
- ✓ Valid bank account and ID
- ✓ Active cellphone number
- ✓ South African bank account
- ✓ Valid ID document
Advantages & Disadvantages
✓ Pros
- • Accessible for lower-income borrowers
- • Approval within 2 hours
- • Small emergency loan amounts
- • Flexible income requirements
- • Branch network available
- • NCR registered (NCRCP389)
✗ Cons
- • Very high APR range 45%-60%
- • Small maximum loan amount (R8,000)
- • Short repayment terms up to 6 months
- • High interest rates (typical APR 52.5%)
Frequently Asked Questions
How much can I borrow from Real People?
You can borrow between R 500 and R 8 000, depending on your credit profile and affordability assessment.
What is the interest rate at Real People?
Real People offers loans with an APR example of 52.5%. The actual rate you receive will depend on your individual credit assessment and affordability.
How long are the repayment terms?
Repayment terms range from 1 to 6 months, giving you flexibility to choose a term that suits your budget.
Is Real People registered with the NCR?
Yes, Real People is a registered credit provider with the National Credit Regulator (NCR) (Registration: NCRCP389), ensuring compliance with the National Credit Act.
Can I apply for Real People loans from any city in South Africa?
Yes, Real People 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 Real People?
Real People 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 Real People?
If Real People 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 Real People?
Real People 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 Real People loan early?
Under the National Credit Act, you have the right to settle your loan early. Contact Real People 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 Real People charge?
Real People 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.
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Real People accepts loan applications from residents across South Africa. Apply online from these major cities and more:
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View All LendersDisclaimer: Credizen is a comparison platform and not a lender. We receive compensation from Real People when you apply through our site. Loan approval and terms are subject to Real People'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 Real People 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