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    credit

    know what you get, know what you pay

    If you’re planning on applying for credit, here are the numbers you’ll need to know. The rates and fees below are effective as of 1 February 2014.

    rates and fees

    Rates and fees

    You want
    Loan amount (R)
    1 000 10 000 80 000 130 000 200 000

    Term (months)

    1 (Multi loan)
    9
    23
    49
    84
    You pay
    Interest rate (%)
    32 – 60 19.7 – 32.1 19.7 – 32.1 19.8 – 31.4 21.5 – 26.5

    Credit life insurance (%)

    n/a FREE FREE FREE FREE

    Once-off initiation fee (R)

    137 – 171 1 140 1 140 1 140 1 140

    Monthly service fee (R)

    n/a 57 57 57 57
    Your repayment
    Monthly repayment (R)
    1 168 – 1 231 1 399 – 1 467 4 323 – 4 829 3 982 – 4 839 4 709 – 5 345
    Total repayment (R)
    1 168 – 1 231 12 591 – 13 202 99 418 – 111 057 195 096 – 237 106 395 518 – 448 968

    Please note that these are examples only. You can choose any term for your loan (up to 84 months) to make your monthly repayments more affordable. Your actual credit amount and credit interest rate will be based on your individual credit profile and affordability.