Loan Products

Four loans, one standard of transparency

Every KRM loan is priced under the same National Credit Act rate caps and explained in the same plain language, whichever product fits your situation.

Personal Loans

Our most flexible product, for unexpected expenses, home repairs, or general household needs. Fixed monthly instalments across a term you choose.

AmountR1,000 – R150,000
Term6 – 60 months
Rate from18.5% p.a.

What you'll need

  • ✓South African ID or valid work permit
  • ✓Latest payslip or proof of income
  • ✓3 months' bank statements
  • ✓Proof of residence

Short Term Loans

A smaller, faster loan to bridge a cash flow gap between paydays, priced clearly with no rollover surprises.

AmountR500 – R8,000
Term1 – 6 months
Rate from22.5% p.a.

What you'll need

  • ✓South African ID
  • ✓Proof of regular income
  • ✓Active South African bank account

Debt Consolidation

Combine multiple store cards, credit cards, or small loans into a single monthly instalment, often at a lower blended rate than what you're paying now.

AmountR5,000 – R200,000
Term12 – 60 months
Rate from17.75% p.a.

What you'll need

  • ✓Recent statements for each account to consolidate
  • ✓South African ID and proof of income
  • ✓3 months' bank statements

Emergency Loans

Fast tracked assessment for urgent medical, family, or household needs, with same day payout once approved.

AmountR500 – R20,000
Term1 – 12 months
Rate from22.5% p.a.

What you'll need

  • ✓South African ID
  • ✓Proof of income
  • ✓Brief note on the nature of the emergency
At a Glance

Compare all four loan types

ProductAmount rangeTermRate fromTypical turnaround
Personal LoanR1,000 – R150,0006 – 60 months18.5% p.a.24 hours
Short Term LoanR500 – R8,0001 – 6 months22.5% p.a.Same day
Debt ConsolidationR5,000 – R200,00012 – 60 months17.75% p.a.48 hours
Emergency LoanR500 – R20,0001 – 12 months22.5% p.a.Same day
Common Questions

Before you apply

No. Submitting an application only involves a soft check to confirm your identity and existing accounts. A full credit check only happens once you choose to proceed with a formal offer, and we'll tell you before that happens.
Approval is based on an affordability assessment required under the National Credit Act: your income, existing debt obligations, and expenses. It's not based on a single credit score cut off.
Yes. You can settle any KRM loan early at any time. Early settlement reduces the total interest you pay, and there's no penalty fee for doing so.
Generally your South African ID, your most recent payslip or proof of income, and three months of bank statements. Exact requirements vary slightly by product. See the requirements listed under each loan above.
Your rate is based on your credit profile and the outcome of your affordability assessment, within the maximum rates permitted under the National Credit Act for each loan type. You'll see your exact rate in your offer before accepting.

Not sure which loan fits?

Start an application and a consultant will help you choose the right product for your situation.

Start Your Application Talk to Us