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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 5 October 2014.

    rates and fees

    Rates and fees

    You want
    Loan amount (R)
    1 000 10 000 75 000 120 000 195 000

    Term (months)

    1 (Multi loan)
    9
    23
    49
    84
    You pay
    Interest rate (%)
    32.20 – 60 19.05 – 32.65 19.25 – 32.65 19.75 – 32.65 22.85 – 29.65

    Credit life insurance (%)

    n/a FREE FREE FREE FREE

    Once-off initiation fee (R)

    137 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 – 1 195 1 395 – 1 470 4 043 – 4 556 3 679 – 4 564 4 757 – 5 622
    Total repayment (R)
    1 168 – 1 195 12 559 – 13 229 92 989 – 104 795 180 273 – 223 651 399 582 – 472 224

    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.