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How can a small loan help you?

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Life can be unpredictable and when we find ourselves faced with unplanned emergencies or expenses they can feel overwhelming. A small personal loan is an option to help ease the stress and worry of how to deal with these kinds of situations.

personal loan can help in many ways and there are various other reasons why someone would consider taking a personal loan. Whether to pay off debts or consolidate several smaller accounts and deal with one monthly payment, this line of credit could be ideal.

Here are some ways that a personal loan could help:

What are the benefits of a small personal loan?

One of the benefits of a smaller personal loan is the time frame in which it could be granted, often these loans require less paper work and have a quick turnaround time. The process is made even easier today with the advent of online personal loan applications - you don’t have to make appointments and have face-to-face interviews in order to find out whether you are eligible for a loan.

When considering a personal loan it is important to look at all the pros and cons.  Taking out a smaller loan could mean that monthly repayments will be easier to maintain.

And remember, when considering a small personal loan, whether visiting your bank’s branch and dealing with a consultant face-to-face or submitting an application online, it is important to go through a credit provider you can trust.

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24%

of customers use loans for consolidation

24%

of customers use loans for renovations

12%

of customers use loans for education

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Loan repayment terms range from 24 to 72 months. The maximum interest rate with regards to a DirectAxis Personal Loan is 27.5% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile.
An illustrative example of a loan at an interest rate of 27.5% per annum would be: Loan amount R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69.00, over 72 months.
The total cost of the loan will be R 110 013.57 which is a maximum Annual Percentage Rate (APR) of 30.74%.