Standard Bank
Standard Bank offers personal loans from R2,000 - R300,000 with 21.5% APR. NCR-registered lender with flexible repayment terms.
About Standard Bank
Standard Bank is an NCR-registered credit provider offering personal loans to South African consumers. With loan amounts ranging from R 2 000 to R 300 000 and flexible repayment terms, Standard Bank provides accessible credit solutions.
Loan Details
Loan Amounts
Repayment Terms
Interest Rate
Representative example. Actual rate depends on your credit profile.
Key Features
Eligibility Requirements
- ✓ Age 18-64 years
- ✓ South African citizen or permanent resident
- ✓ Minimum monthly income R4,500
- ✓ Valid bank account
- ✓ Clean credit record
- ✓ South African bank account
- ✓ Valid ID document
Advantages & Disadvantages
✓ Pros
- • Competitive rates from 14% for qualifying clients
- • Up to R300,000 loan amount
- • Flexible repayment terms up to 72 months
- • Instant approval for existing clients
- • Africa's largest bank by assets
✗ Cons
- • Stricter credit requirements
- • Monthly administration fees apply
- • Loan insurance mandatory
Frequently Asked Questions
How much can I borrow from Standard Bank?
You can borrow between R 2 000 and R 300 000, depending on your credit profile and affordability assessment.
What is the interest rate?
Standard Bank offers loans with an APR example of 21.5%. The actual rate you receive will depend on your individual credit assessment and affordability.
How long are the repayment terms?
Repayment terms range from 6 to 73 months, giving you flexibility to choose a term that suits your budget.
Is Standard Bank registered with the NCR?
Yes, Standard Bank is a registered credit provider with the National Credit Regulator (NCR), ensuring compliance with the National Credit Act.
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View All LendersDisclaimer: Credizen is a comparison platform and not a lender. We receive compensation from Standard Bank when you apply through our site. Loan approval and terms are subject to Standard Bank'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 Standard Bank before accepting a loan offer.