Use it for your priorities
Personal loans can support a variety of planned expenses and personal financial needs.
Personal finance, made clearer
Personal loans.
Plans in motion.
Whether you are managing an important expense or moving a personal goal forward, we can help you explore a loan suited to your needs and financial circumstances.
Loans up to R350,000
No application fee charged by FFI
Subject to assessment
R3,000–R350,000
Available loan range for qualifying applications.
12–84 months
Available term range for qualifying applications.
Unsecured loan
No asset needs to be provided as security.
Clear process
Application, assessment, verification and outcome.
A practical financial option
Turn an important need into a clear plan.
A personal loan is paid into your bank account and repaid in monthly instalments. It can be used for a range of personal needs without requiring you to provide an asset as security.
The amount, interest rate, term and repayment offered will depend on the lender’s assessment of your credit profile and affordability.
Please remember: borrowing should fit
comfortably within your budget. Review the full quotation and
repayment obligations before accepting any credit agreement.
Why consider a personal loan?
Flexible finance. Clear responsibilities.
The right credit solution should help you meet a genuine need while remaining manageable within your monthly budget.
No asset pledged
The loan is unsecured, which means you do not sign over an asset as security for the finance.
Defined monthly repayment
Your credit agreement sets out the approved amount, term, costs and repayment obligation.
Before you apply
Check your application readiness.
Meeting these requirements does not guarantee approval, but it helps you prepare the information needed for an assessment.
Age requirement
You must be at least 18 years old and within the lender’s permitted maximum age at application or loan maturity.
Employment and income
You should have a stable employment and income history, with salary payments reflecting electronically in your bank account.
South African identification
You will need a valid South African identity document and information that can be verified.
Affordability and credit assessment
Your current obligations, income, expenses and credit profile will form part of the lender’s assessment.
Your application journey
A clear process from start to outcome.
Request a call back
Leave your contact details so that an FFI consultant can contact you.
Tell us what you need
A consultant can explain the process and discuss the information required for an application.
Credit and affordability
Any application is subject to assessment, verification and the lender’s qualifying criteria.
Review the decision
If approved, review the quotation, costs, term and repayment before deciding whether to accept.
Supporting information
Have your documents ready.
Documents may be requested during the application process. Clear, valid copies help prevent unnecessary delays.
01
South African ID document
02
Proof of residential address
03
Latest payslip
04
Last three months’ bank statements
Request a call back
Start with a simple conversation.
Leave your contact details and an FFI consultant can call you to discuss the next step. This is a request for contact, not a loan application or an offer of credit.
What happens next?
A consultant will use the details you provide to respond to your enquiry and explain the application process.
No calculator required
No banking details requested here
No documents uploaded here
Callback request form
Complete the form and our team will contact you.
Gravity Form 4 will appear here when its Elementor Shortcode widget is present on this page.
Common questions
Before you continue.
Does requesting a call back mean that I have applied?
No. The callback form only asks an FFI consultant to contact you. It is not a completed loan application.
Does applying guarantee that I will receive a loan?
No. Applications are subject to credit assessment, affordability, verification and the lender’s qualifying criteria.
Will I be charged to submit an application through FFI?
FFI does not charge an application fee for a personal-loan application submitted through this page. Costs applicable to any approved credit agreement must be shown in the lender’s quotation.
How much can I apply for?
Personal-loan applications may be considered for amounts from R3,000 up to R350,000. The amount available to you may be lower and remains subject to assessment.
What should I check before accepting an offer?
Review the approved amount, interest rate, total costs, monthly instalment, repayment term and the full credit agreement. Make sure the repayment is manageable within your budget.