Personal loan calculators
Use our calculators to work out how much you qualify for, estimate your monthly repayments or see how changes in term, interest rates, missed and early payments affects your current loan.
Loan calculator
See how much you can get
Get an estimate of how much money you can borrow based on the loan term and interest rate.
Your estimated monthly repayment
R
0
*calculation excludes mandatory insurance
First repayment date
DD/MM/YYYY
Monthly interest and fees
R
0
Ready to take the next step?
Get a quote and see if you could qualify for a loan.
Amortisation calculator
Your current loan in more detail
Get an estimated breakdown of how your current loan will be paid off over time, how your balance
reduces with every payment and how much goes to your interest vs the actual loan.
Adjusted monthly repayment
R
0
Loan amount
R
0
Current monthly repayment
R
0
Interest rate
0
Loan start date
DD/MM/YYYY
Missed payments
-
Additional payments
-
Loan revolved
-
Months already paid
0
Loan term end date
DD/MM/YYYY
-
Loan calculator
-
Amortisation calculator
See how much you can get
Get an estimate of how much money you can borrow based on the loan term and interest rate.
Your estimated monthly repayment
R
0
*calculation excludes mandatory insurance
First repayment date
DD/MM/YYYY
Monthly interest and fees
R
0
Ready to take the next step?
Get a quote and see if you could qualify for a loan.
Your current loan in more detail
Get an estimated breakdown of how your current loan will be paid off over time, how your balance
reduces with every payment and how much goes to your interest vs the actual loan.
Adjusted monthly repayment
R
0
Loan amount
R
0
Current monthly repayment
R
0
Interest rate
0
Loan start date
DD/MM/YYYY
Missed payments
-
Additional payments
-
Loan revolved
-
Months already paid
0
Loan term end date
DD/MM/YYYY
Disclaimer
This online calculator provides an indication only.
You use this online calculator at your own discretion. Standard Bank gives no warranty,
express or implied, as to the accuracy, reliability and completeness of any information,
formulae or calculation provided through the use of this calculator and does not accept any
liability for loss or damage of whatsoever nature, which may be attributable to the reliance on and
use of this calculator. We do not warrant the integrity and security of this calculator or that
it is free of errors, corruption, viruses, interception or interference.
You can apply for a minimum loan amount of R3 000 to a maximum loan amount of R300 000.
Our service fees are R69 per month for all loans and our once-off initiation fees range
from R419.75 up to R1207.50 (VAT inclusive). Our loan repayment terms range from a minimum
of 12 months to a maximum of 72 months. Our interest rates are personalised up to a maximum of
prime plus 17.5% as per the NCA regulation. The Annual Percentage Rate (APR) for your personal
loan is a maximum of prime plus 17.5% as per the NCA regulation.
We also offer
Revolving loan
Get access to your funds again when you’ve repaid 15% of your loan with the option to increase your original amount over time.
Term loan
Get the loan you’re looking for at the fixed monthly repayment amount and term you feel comfortable with
Overdraft
As a credit facility on your bank account, your overdraft is always available when you run over budget.
Credit cards
Instant access to money you’re not carrying as cash. Money you can spend safely and easily in-store, online or overseas.
Student loan
Studying full- or part-time? Apply online for pre-approval on a student loan to fund your next-level education.