exclusive LOans

Personal Loan

A personal loan online offers quick approval for up to R250,000 at a low-interest rate starting from 9.75% and a repayment term of up to 6 years – finance your lifestyle with flexibility, affordability, and convenience.

Low-interest Rate Personal Loan

Personal Loans South Africa​

At Exclusive Loans, we understand that everyone goes through unexpected financial challenges from time to time. Whether it’s a medical emergency, home renovation, or debt consolidation, a personal loan can provide the funds you need to overcome these challenges.

With our easy loan application process, you can apply for a personal loan and get approved in just a few minutes. We offer flexible repayment terms and competitive interest rates that are tailored to your specific needs and budget.

6 Months Loans No Credit Check South Africa

We know that having a poor credit history can make it difficult to get approved for a loan. That’s why we offer 6-month loans with no credit checks. This means that even if you have a bad credit score, you can still apply and get approved for a loan.

Our 6-month loans provide you with a short-term financial solution, with manageable repayment terms that fit your budget. We offer this loan with no credit checks, so you can get the funds you need without worrying about your credit history.

Online Loans South Africa Instant Approval

At Exclusive Loans, we offer online loans with instant approval. With our online loan application process, you can apply for a loan from the comfort of your own home. Our platform is secure and user-friendly, and you can complete the application process in just a few minutes.

Once you submit your loan application, our team will review it and get back to you with a decision as soon as possible. We know that sometimes you need funds urgently, which is why we strive to provide instant approval for our online loans.

African Bank Personal Loans

Life is full of surprises — both good and bad. Whether you’re facing unexpected medical bills, planning a wedding, or just need help managing your monthly expenses, African Bank Personal Loans offer the financial flexibility you need. With competitive interest rates, quick approvals, and flexible repayment options, African Bank is a trusted choice for thousands of South Africans looking for safe and reliable personal credit.


🏦 What Are African Bank Personal Loans?

African Bank offers unsecured personal loans — meaning you don’t need to put up any assets or collateral to qualify. These loans are ideal for:

  • Emergencies

  • Debt consolidation

  • Home improvements

  • Education costs

  • And more

Loan amounts typically range from R2,000 to R250,000, with repayment terms between 7 to 72 months, depending on your affordability.

Get Old Mutual Personal Loans with Exclusive Loans

Are you looking for a trusted and convenient way to access a personal loan in South Africa? At Exclusive Loans, we help you apply for Old Mutual Personal Loans — one of the most trusted names in the financial services industry.

Whether you need urgent funds for emergencies, education, or just to consolidate debt, we’re here to guide you every step of the way with no upfront fees and fast approval.


💼 What Is an Old Mutual Personal Loan?

Old Mutual offers unsecured personal loans ranging from R2,000 to R250,000, with flexible repayment terms from 3 to 72 months. These loans are designed to support your financial needs — big or small — with competitive interest rates and reliable customer service.

As a partner, Exclusive Loans makes the process easier by helping you:

  • Check your eligibility

  • Collect the correct documents

  • Submit your application quickly and accurately

Short-Term Personal Loans Made Easy

Need quick cash to cover an unexpected expense, emergency, or just to get through the month? At Exclusive Loans, we specialize in short-term personal loans tailored to your needs – with fast approvals and no upfront fees.

Our Short-term personal loans are smaller loan amounts repaid over a shorter period, usually between 1 to 12 months.

personal loan interest rates​

We work with a network of trusted lenders to provide you with the best possible interest rates on personal loans. Our team has years of experience in the lending industry and knows what it takes to negotiate the lowest rates for our clients. We also believe in transparency, and we make sure that all fees and charges associated with your loan are fully disclosed upfront.

Benefits of Choosing Exclusive Loans for Your Personal Loan

Our goal is to provide you with the lowest possible interest rate on your personal loan, which can save you hundreds or even thousands of rands over the life of the loan.

Loan Calculator

Loan Calculator

Exclusive Loans Calculator

Note: The interest rate of a loan will vary based on your credit score and risk profile.
This online loan calculator is for illustration purposes only. The use of this loan calculator is subject to our terms of use.

How to Apply for a Personal Loan with Exclusive Loans

Applying for a personal loan with Exclusive Loans is simple and easy. You can apply online or over the phone by calling us at +27 62 460 2046. Our friendly and knowledgeable team will guide you through the process and answer any questions you may have. We’ll need some basic information about your income and expenses, as well as the loan amount and repayment period you’re looking for. Once we’ve received your application, we’ll review it and get back to you with a decision as soon as possible.

FAQ about Personal Loan at Exclusive Loans

  • What is the minimum and maximum amount I can borrow?

We offer personal loans ranging from R1,000 to R250,000, with repayment terms of up to 72 months.

  • Can I apply for a personal loan if I have bad credit?

Yes, we welcome applications from all South African residents, regardless of their credit score. We work with lenders who offer personal loans for people with bad credit, as well as those with good credit.

  • How long does it take to receive my funds?

You could receive your funds in as little as 24 hours after your loan has been approved.

  • Are there any fees or charges associated with the loan?

We don’t charge any hidden fees or penalties. All fees and charges associated with your loan are fully disclosed upfront.

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Contact Info

37 Wolroy Building, Buitekant Street

Cape Town, Western Cape, 8001

Phone: +27 62 460 2046

Email: info@exclusiveloans.co.za