Rates and Fees

At SA Personal Loans, transparency and responsible lending are at the heart of what we do. We do not directly provide loans ourselves. We are a loan aggregation and referral service that helps South Africans connect with trusted, NCR, FSP, FSB, and FSCA-registered financial partners who offer legitimate, medium-term personal loans.


How Our Service Works:

When you complete an application on our Website:

  1. We review your profile and securely share your details with the most suitable registered loan providers.
  2. You are then contacted directly by one or more of these providers with an offer based on your personal and financial profile.
  3. All loan terms, interest rates, and conditions are negotiated directly between you and the provider.

You are under no obligation to accept any offer you receive.


Our Fees

Our service is 100% free to all applicants. We do not charge you any fees for using our Website or for being connected with a lender.Our income comes from referral fees paid to us by our approved lending partners, but this does not affect the loan amount, rate, or terms you are offered. You always receive the same offer you would if you went directly to the lender.


Loan Amounts and Terms

Our registered loan partners typically provide medium-term personal loans ranging from:

  • R500 to R350,000
  • Repayment terms between 6 months and 59 months

We do not promote or facilitate payday loans, short-term microloans, or unregulated credit products.


Interest Rates

Loan interest rates vary depending on your credit history, income, and personal risk profile. As a general guideline, most medium-term personal loan rates range from approximately 9.8% to 21% (APR). The final rate offered to you will depend on the lender’s assessment and your unique financial circumstances.


No Hidden Costs

All lenders in our network are National Credit Regulator (NCR) registered and required to disclose full costs upfront, including initiation fees, service fees, and interest rates. We encourage you to review all loan documentation carefully before signing any agreement.

If you are unsure about any terms or wish to decline an offer, you are free to do so at any time.


Responsible Lending

We only work with partners who:

  • Are NCR and FSCA-registered
  • Follow South African credit and affordability regulations
  • Provide transparent, fair, and responsible credit options

Our goal is to help South Africans access safe, compliant, and affordable financial products, never predatory lending.


Contact Information

For questions about our service, compliance, or lending partners, please contact:

LIME HOLDINGS (Pty) Ltd
Atlantic Beach Golf Estate, Melkbosstrand, Western Cape, South Africa, 7441
Postal: Suite 354, Private Bag x1, Melkbostrand,7437
Email: info@sapersonalloans.co.za