A DirectAxis Personal Loan of up to R150 000

Take advantage of life's opportunities with a DirectAxis Personal loan of up to R150 000. Renovate, redecorate, take a course, fix your car or get a better one or even take a holiday with your family. With repayment terms from  24 months to 6 years, doing the things you want to do right now is completely affordable and simpler!

Online Loan Application

To apply for a DirectAxis Personal Loan, you will need:

  • A minimum monthly salary of R5 000
  • Details of your bank account into which your salary is paid
  • Up to 3 months’ recent bank-generated PDF statements or payslips as proof of income 

You may also be required to provide:

  • A copy of your ID book / Smart ID card
  • A recent document confirming your residential address

A DirectAxis loan has so many benefits:

  • An amount from R5 000 up to R150 000
  • Repayment terms from 24 months up to 6 years
  • Fixed monthly repayment amount for full loan term
  • No penalties for early settlement or extra repayments
  • Credit cover included to keep you safe

You can count on our reputation:

DirectAxis has been operating in South Africa for more than 22 years. We’re an authorised Financial Services Provider, backed by the FirstRand Group, and we operate in line with the National Credit Act. To date, we’ve granted more than a million loans which have helped improve the lives of hundreds and thousands of South Africans.


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Read more about our sponsorship with Cape Town City FC.

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Thinking of working for DirectAxis? Why not explore what it means to work at DirectAxis.

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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 24.50% 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 24.50% 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 103 155.57 which is a maximum Annual Percentage Rate (APR) of 27.76%.