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Apply for a personal loan

Your Monthly Gross Income
You'll need to provide proof of income so please be accurate
Your total income before tax and deductions. (Keep in mind that we'll ask you for proof of your income so please be accurate and only give what you can prove.)
  1. You confirm that
    1. You are not currently over-indebted
    2. You are not under administration, sequestration or debt review and have not been declared mentally unfit by an order of court
    3. All information you give us is true and correct
    4. You will ensure that you have read and understood the terms and conditions that follow before accepting any loan amount that you may be offered
  2. You agree that DirectAxis may
    1. Check and verify any information that we need in connection with this agreement
    2. May contact you by SMS or email about this or future applications
  3. English
      You confirm that you are able to read and fully understand English. If you cannot read English or do not fully understand English, you should not carry on with this online personal loan application and should call us to apply in one of the other languages we support namely Afrikaans, Xhosa, Zulu or Sesotho.
  4. Afrikaans
      U bevestig dat u Engels kan lees en Engels ten volle verstaan. Indien u nie Engels kan lees nie, óf Engels nie ten volle verstaan nie, moet u asseblief nie met hierdie aanlyn aansoek om ‘n persoonlike lening voortgaan nie. Skakel ons eerder: ons kan u telefonies in Afrikaans, Xhosa, Zulu of Sotho help om u aansoek te voltooi.
  5. Zulu
      Uyaqinisekisa ukuthi uyakwazi ukufunda isiNgisi futhi usiqonda ngokuphelele. Uma ungakwazi ukufunda isiNgisi noma ungasiqondi ngokuphelele isiNgisi, akumele uqhubeke nokufaka isicelo sokubolekwa imali nge-inthanethi kodwa esikhundleni salokho kumele usifonele ukuze ufake isicelo sakho ngolunye lwezilimi esizisebenzisayo, isiBhunu, isiXhosa, isiZulu kanye neSesotho.
  6. Sesotho
      O netefatsa hore o kgona ho bala mme o utlwisisa Senyesemane ka botlalo. Haeba o sa kgone ho bala Senyesemane kapa o sa utlwisise Senyesemane ka botlalo, o tlameha ho se tswele pele ka kopo ena ya mokitlane wa motho ya inthaneteng mme o re letsetse ho etsa kopo ka e nngwe ya tse ding tsa dipuo tseo re di sebedisang, e leng Afrikanse, Sexhosa, Sezulu kapa Sesotho.
  7. Xhosa
      Uqinisekisa ukuba uyakwazi ukusithetha isiNgesi kwaye usiqonda ngokupheleleyo. Ukuba awukwazi ukusifunda isiNgesi okanye awusiqondi ngokupheleleyo, akufuneki uqhubeke ngesi sicelo semali-mboleko sifumaneka kwikhompyutha kwaye kufuneka ufake isicelo ngezinye iilwimi esizixhasayo ezizezi, isiBhulu, isiXhosa, isiZulu okanye isiSuthu.
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Our business hours are 8am—8pm, if it's after 8pm, you can expect a call in the morning.
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Personal Loan

A Personal Loan is a convenient way to take care of your personal and family needs and goals.

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Consolidation Loan

Consolidating can be an effective way to manage your finances and increase your cash flow.

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DirectAxis is a business unit of FirstRand Bank Limited, an Authorised Financial Services and Registered Credit Provider, NCRCP20. Direct Axis SA (Pty) Ltd, Reg no. 1995/006077/07, an authorised Financial Services Provider, FSP7249 & FSP5. 108 De Waal Road, Diep River 7800.

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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 24.75% 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 24.75% 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 103 718.91 which is a maximum Annual Percentage Rate (APR) of 28.01%.