Personal Loans

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It's easy to apply for a Direct Axis Personal Loan!

  • Instant decision

  • Peace of mind

You can apply for a Personal Loan of up to R150 000 to use however you like.

Loan Calculator

For illustration purposes.


Monthly Service Fee You’ll be charged a monthly fee for the routine administration of your account.
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Interest Rates Our interest rate is fixed and will be based on your personal financial profile.
Monthly Repayment This repayment amount is simply an indication of what you could pay through the term of your loan agreement.

What do you get with a Direct Axis Personal Loan?

When you take out a loan with Direct Axis, you’ll deal with an authorised Financial Services Provider, with many years of experience in the financial services industry. We’re all about minimising your risk. So, you’ll only be approved for a personal loan that you can comfortably afford. Our priority is to give you the best offer we possibly can. All Direct Axis Personal Loans are unsecured loans which simply means that we won’t ask you to use your car or home, or any other asset as collateral. To further guarantee your security and peace of mind, all our loans are subject to the National Credit Act No. 34 of 2005, to ensure responsible lending. We consider all loan application. Every application is subject to credit approval.

How much do you need?
You can choose to take out a Personal Loan from as little as R4000 up to R150 000 (in increments of R1 000). The loans we offer can be repaid over a term of between 2 to 6 years. Better yet, once approved, your money could be in your bank account within 48 hours!

It’s up to you…
You’re free to use the money however you like – you could use the money for home renovations, to pay for your child’s education or consolidate your retail accounts - the money is yours to use for whatever you may need it for.

You’re covered!
All our loans include our Personal Protection Plan, which settles your outstanding Personal Loan balance in the event of your death, permanent disability or certain dreaded diseases. This plan also includes limited cover in the event of temporary disability and retrenchment. You can substitute the Personal Protection Plan with a policy of your choice, provided the cover offered is equivalent.

Fixed rates that never go up
Your repayments are fixed at our current interest rate for the full term of your personal loan. They never go up – no matter how much interest rates do!

It’s so quick and easy to apply…
To speed up the application process, there are no face-to-face interviews or unnecessary paperwork. You can apply for a loan online, at any time, or alternatively over the phone 7 days a week, from 8am to 8pm.

Fill in our online application for an instant answer!
No waiting around when you fill in our quick online application. Once you’ve applied, you’ll get a decision on whether you qualify – in seconds.

A loan that you can afford…
We take your current financial circumstances into consideration and will only approve a loan amount that’s right for you – a loan that you can comfortably afford to repay and is in line with your personal financial profile.

What you'll need to apply?
  • A good credit record
  • A regular monthly income of at least R5 000
  • Your last 3 months’ payslips or bank statements
  • A clear copy of your ID document
  • Details of your bank account into which your salary is paid
  • A recent document confirming your residential address

Why Direct Axis?

Convenient & Quick to apply
Money in next to no time
No need to provide any collateral
Fixed repayments
- for full term of your loan

Apply for a Personal Loan with Direct Axis. It's quick and easy to do!

Accept Offer
Receive Your Money
Goal Achieved!
Apply for a personal loan with Direct Axis simply via our online application or call us – we’re available 7 days a week from 8am to 8pm. Be sure to have your ID number and bank details ready before you apply!

5 - 15 minutes
What you'll need to apply?
Clear Credit Reference
South African ID
Proof of Income
Bank Account Details
How we've helped our customers.

Our range of financial solutions and benefits are designed to cater to our customers’ needs.

When you take out a Direct Axis Personal Loan, you have the opportunity to build a better life.

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When you need a larger amount, consider a Direct Plus loan.
Need financing for a more significant expense? A Direct Plus loan of up to R250 000 could be the ideal solution. A Direct Plus loan is a secured loan, which means you’re required to have collateral. Even though the loan will be secured against your home, we don’t require a physical property evaluation of your home. We’ll also cover your full conveyancing fees.

Complete our quick loan application to see if you qualify!
You’ll need clear credit references and a regular monthly income of at least R12 000 to apply for a Direct Plus loan. You must also be a home owner, with equity on your property (your home needs to be worth more than what you are currently paying for it).

Of course, you’re free to use the money however you choose!
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