Woman with baby girl

Personal Loans


Want to know what the monthly repayment could be on the loan amount you need? Try our Personal Loan Calculator. Simply select the loan amount and repayment term below, and we’ll calculate the monthly instalment.


A DirectAxis Personal Loan can help you along every milestone…

There are many reasons to take out a Personal Loan. Life has many opportunities that often require funding. Whether it be educational goals, the desire to travel to various parts of the world or even planning your dream wedding. At DirectAxis we hope you’ll make the most of your opportunities. Have a look at the following stories about how a Personal Loan with DirectAxis helped some of our customers achieve their personal goals.


The Swartz family Home renovations

Henry and his wife had just moved into their new home. Even though the new home needed some significant renovations, they were happy to make the purchase because it was close to schools, transport, shopping centres and hospitals.

The renovations that Henry and his wife needed to make included retiling and remodelling the kitchen to create more space, replacing the worn-out garage door and equipping it with an access remote as well as paving. More urgently they needed to replace flimsy burglar bars and fix the gaping hole in the side of the bathroom wall.

Henry and his wife Sarah decided to apply for a DirectAxis Personal Loan. They were approved for R98 000. They thought carefully about what they could comfortably afford. With the help of DirectAxis’ personal loan calculator, they settled on a term of 6 years and a monthly loan repayment amount of R2 942.56 at an interest rate of 29.25%

The initiation fee for the loan was R1 207.50 and the repayments included a monthly service fee of R69.00.

Henry and his wife are enjoying family gatherings in their renovated home.


Tamrin’s graduation

Tamrin was the first graduate in her family. She fought through many stumbling blocks to achieve her dream to become an engineer. At the time when she took out a Personal Loan with DirectAxis, she did so to fund her last year of studying.

Her parents had both retired and were not able to assist her. She worked a full time job to get through the first few years of her tertiary education, but her last year of study seemed almost impossible to fund without additional help.

Tamrin needed R20 000 to complete her degree. She was approved for the loan amount and calculated that she could afford the monthly loan repayments comfortably, she settled on a monthly loan repayment of R1 235.75 at an interest rate of 29.25% over a term of 2 years.

The initiation fee for the loan was R1 207.50 and the repayments included a monthly service fee of R69.00.

Tamrin has decided to specialise in mechanical engineering, so that she’s able to fulfill her dream to work in the exciting car manufacturing industry.


Sarah purchases her first car

Sarah juggled her steady job and university studies, and although it had proven challenging she managed to graduate. Now that Sarah had reached her academic goal, she was determined to buy her first car. She was especially keen to buy a car because it had taken her several attempts to pass her driving test – and even more so, Sarah wanted to be less dependent on public transportation.

Sarah was clear on what she wanted to buy, so there wasn’t any research required to find the perfect car. However, her father made a few suggestions and helped her realise that the monthly cost of a brand new car would not fit into her budget. Instead, Sarah decided to buy a reliable second-hand car.

Whilst browsing her Facebook page, Sarah came across a DirectAxis advert. She decided to visit the DirectAxis website to find out more about the Personal Loans on offer – and after thinking it over, she decided to apply for a DirectAxis Personal Loan. To her delight, Sarah’s application for R80 000 was approved. She settled for a 5 years term and a monthly repayment amount of R2 609.72.

The initiation fee for the loan was R1 207.50 and the repayments included a monthly service fee of R69.00.

Sarah is excitedly planning road trips within South Africa. She has already rounded up a few friends to view constellations at the well-known observatory in Sutherland.


Marvin decides to pop the question

Marvin met Janet when he attended a birthday party of one of his closest friends. He says Janet didn’t show much interest in him when they first met. In fact, she tried to avoid him the whole evening but fortunately his friend had planned another gathering, so Marvin had another opportunity to impress her.

Soon enough Marvin and Janet were inseparable. After two years of dating Marvin decided that he wanted to spend the rest of his life with her.

Marvin calculated that he needed a loan of R20 000 to buy the engagement ring. He was approved for the amount but was only able to comfortably afford a monthly loan instalment of R811.16 over a term of 4 years, at an interest rate of 29.25%.

The initiation fee for the loan was R1 207.50 and the repayments included a monthly service fee of R69.00.

Marvin and his wife are excited to start a family. They’re making plans to renovate their home to ensure they have enough room for at least 3 children.

R5 000Min
R300 000Max
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  • DirectAxis

  • 24%


    of customers use loans for consolidation

  • 24%


    of customers use loans for renovations

  • 12%


    of customers use loans for education