Important disclosure

Personal loans for R35,000

Personal loans of R35,000 could help you reach your next goal in life. South African lenders can help you reach this goal. To compare the loan options that they offer, you can use our calculator below to help you budget.

Simply use the filters to change between the loan term and loan amount to see how your next loan could affect your finances.

Calculate repayments

Loans up to R250,000. Terms between 7 months and 72 months. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR4,000

Minimum term (months)7 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO African Bank

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?No

Sponsored No

Data accurate as of18.01.2020

GO TO African Bank

Hide info -

MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate15.00%

Personal loan APR12.90%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO MoneyShop

Other Fees & Information

Monthly feeR69.00

Other feesR0.00

Redraw facilityn/a

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of26.10.2020

GO TO MoneyShop

Hide info -

Go through Fincheck's online application to get matched with personal loan provider that's best suited to your credit score and personal circumstances. Easy online application.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate16.00%

Personal loan APR16.00%

EST monthly repayment (approx)R1,343

Total repayment amount (approx)R48,348

Total interest & fees paid (approx)R13,348

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO MoneyShop

Other Fees & Information

Monthly feeR69.00

Other feesR0.00

Redraw facilityn/a

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored Yes

Data accurate as of26.10.2020

GO TO MoneyShop

Hide info -

MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate24.75%

Personal loan APR24.75%

EST monthly repayment (approx)R1,505

Total repayment amount (approx)R54,180

Total interest & fees paid (approx)R19,180

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO MoneyShop

Other Fees & Information

Monthly feeR69.00

Other feesR0.00

Redraw facilityn/a

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of26.10.2020

GO TO MoneyShop

Hide info -

A cash loan from R2 000 up to R250 000. Fast, paperless application process. Decision in seconds. Cash in your account within 24 hours. Flexible repayment options; choose from 12 to 60 months. Free monthly statement via email or SMS. Customer Protection Insurance. Interest from as low as 15%. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR2,000

Minimum term (months)12 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,316

Total repayment amount (approx)R47,376

Total interest & fees paid (approx)R12,376

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR936.50

GO TO RCS

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityUnknown

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of18.01.2020

GO TO RCS

Hide info -

Simplify your debt with one consolidation loan. Combine up to 5 loans into one single consolidation of up to R250 000 and get one lower repayment. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO African Bank

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of18.01.2020

GO TO African Bank

Hide info -

Loans up to R250,000. Terms between 7 months and 72 months. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR4,000

Minimum term (months)7 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO African Bank

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?No

Sponsored No

Data accurate as of18.01.2020

GO TO African Bank

Hide info -

It is easy to apply for a Bayport personal loan of up to R250,000 with our simple online loan application process and personalised service. Once you have registered, all it takes is a minute, to find out if you qualify for a Bayport personal loan. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR4,000

Minimum term (months)6 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO BayPort

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityUnknown

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of18.01.2020

GO TO BayPort

Hide info -

Instead of having many accounts to pay each month, you’ll only have a single monthly payment. You could improve your monthly cash flow. We’ll do the legwork, your loan will be used to settle your retail or credit accounts, or existing loans. Any money remaining you can use as you please. Repayments are fixed Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR5,000

Minimum term (months)12 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO DirectAxis

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityUnknown

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of18.01.2020

GO TO DirectAxis

Hide info -

A personal loan from R1000 up to R250 000. Fast, paperless application process. Decision in seconds. Cash in your account within 24 hours. Flexible repayment options; choose from 12 to 60 months. Fixed monthly repayments. Free monthly statement via email or SMS. Optional Customer Protection Insurance. Interest from as low as 15%. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR5,000

Minimum term (months)12 months

Interest rate15.00%

Personal loan APR15.00%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO DirectAxis

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityUnknown

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?No

Sponsored No

Data accurate as of18.01.2020

GO TO DirectAxis

Hide info -

MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate15.00%

Personal loan APR12.90%

EST monthly repayment (approx)R1,325

Total repayment amount (approx)R47,700

Total interest & fees paid (approx)R12,700

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO MoneyShop

Other Fees & Information

Monthly feeR69.00

Other feesR0.00

Redraw facilityn/a

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of26.10.2020

GO TO MoneyShop

Hide info -

Go through Fincheck's online application to get matched with personal loan provider that's best suited to your credit score and personal circumstances. Easy online application.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate16.00%

Personal loan APR16.00%

EST monthly repayment (approx)R1,343

Total repayment amount (approx)R48,348

Total interest & fees paid (approx)R13,348

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO MoneyShop

Other Fees & Information

Monthly feeR69.00

Other feesR0.00

Redraw facilityn/a

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored Yes

Data accurate as of26.10.2020

GO TO MoneyShop

Hide info -

MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.

Overview

Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate24.75%

Personal loan APR24.75%

EST monthly repayment (approx)R1,505

Total repayment amount (approx)R54,180

Total interest & fees paid (approx)R19,180

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO MoneyShop

Other Fees & Information

Monthly feeR69.00

Other feesR0.00

Redraw facilityn/a

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of26.10.2020

GO TO MoneyShop

Hide info -

Goods from R2 000 up to R250 000 can be purchased at accredited stores. Flexible repayment terms from 6 up to 72 months to suit your pocket. No deposit required. Straightforward application process. A loan from a trusted bank for the goods you need. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR3,500

Minimum term (months)6 months

Interest rate24.75%

Personal loan APR24.75%

EST monthly repayment (approx)R1,505

Total repayment amount (approx)R54,180

Total interest & fees paid (approx)R19,180

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO Nedbank

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityUnknown

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?No

Sponsored No

Data accurate as of12.07.2020

GO TO Nedbank

Hide info -

Loans available from R2 000 to R300 000*. Flexible repayment periods from 6 up to 72 months. Monthly repayments debited from your bank account. The best possible interest rate that we can offer you. Easy online loan application process. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Overview

Minimum monthly incomeR3,500

Minimum term (months)6 months

Interest rate24.75%

Personal loan APR24.75%

EST monthly repayment (approx)R1,505

Total repayment amount (approx)R54,180

Total interest & fees paid (approx)R19,180

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

GO TO Nedbank

Other Fees & Information

Monthly feeR69.00

Other feesUnknown

Redraw facilityUnknown

Repayment scheduleMonthly

Early repayments allowedYes

Missed payment feeUnknown

For debt consolidation?Yes

Sponsored No

Data accurate as of12.07.2020

GO TO Nedbank

Hide info -

results per page

CompareLoans.co.za provides factual information in relation to financial products. While CompareLoans.co.za attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on CompareLoans.co.za is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with CompareLoans.co.za. CompareLoans.co.za recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see CompareLoans.co.za's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 1 months and 10 years. Comparison interest rates vary between 6.55% and 60% p.a. Total interest repayments vary between R685.05 and R844.12 over the life of the loan. *Comparison rate is based on an unsecured loan of R20,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of loan are you looking for?

Get a R35 000 personal loan in South Africa

If you want to apply for a R35 000 personal loan, CompareLoans can help you find the best option. Read on to find out what type of personal loans are available for this amount, plus the best way to make a final choice.

R35 000 loan: What type of personal loan can you choose?

Personal loans are flexible, which means you can choose a personalised loan that is in line with your needs and financial situation. Typically, loan types are based on the following features:

  • Credit score. There are personal loans for all types of credit scores. Personal loans for bad credit are more likely to have higher interest rates than personal loans for average credit. Consequently, good credit loans and excellent credit loans offer the most competitive rates and fees.
  • Purpose. Personal loan types can also be classified based on what they’re being used for. There are personal loans for debt consolidation which are used to pay off your other loans, so your debt becomes manageable. Medical loans are another example which helps to pay for your hospital bills and related medical expenses. Lastly, business loans are a type of personal loan used specifically for business purposes.
  • Requirements. If a personal loan requires collateral, it’s called a secured personal loan. These have low interest rates because there’s less risk for the lender. If you fail to repay, the lender has a legal right to claim your asset. A personal loan that requires no collateral is also known as an unsecured personal loan. Unsecured loans have slightly higher rates than secured ones, and you usually need an above-average credit score to qualify.
  • Other features: Other features are also used to classify personal loans. If you need to make a fast application, try online personal loans which can also guarantee a quicker approval. If you need a personal loan for a wide range of needs, try a general-purpose loan.

Compare R35 000 loans and choose the best one for you

Thousands of South Africans benefit from lenders and their personal loan products every day. To find out which lender or loan will benefit you the most ask yourself these 3 questions as you compare the available options:

  • What is the interest rate? – Always be aware of how much the lender is charging you for borrowing money. Depending on your credit score, try and find low interest rates loans which help you save money. When it comes to the interest rate, personal loans can also be fixed rate loans or variable rate loans. Look out for this feature and find out whether the loan offers the rate option you want.
  • How much will the loan cost? – The true cost of your loan can only be calculated by factoring in the interest rate, the number of monthly payments, and all other loan charges and fees. However, you can still get a quick idea by looking at the APR or comparison rate of your loan – it includes the interest rate and fees.
  • Does the lender offer me what I need? – Look for a loan that has favourable features which is something all borrowers need. For example, you should be able to borrow the exact amount you need and to choose a loan term that aligns with your budget. Additionally, you should be able to pay off the loan at a faster rate (early or additional payments) without also paying a penalty fee.

What are the repayments on a R35,000 loan?

Your repayment will vary from lender to lender and will depend on factors such as your credit score, loan term and fees. A low credit score will increase your interest rate whilst a good credit score will reduce the interest rate. Longer-term loans will reduce your monthly repayment but will increase your total cost.

Typical costs when you borrow R35,000 over 36 months:

    • Initiation fee: up to R1207.50
    • Monthly admin fee: R69
    • Interest rate: Between 14% and 27.50%
    • Monthly repayments: R1,306 and R1,557
    • The total cost on a R35,000 loan: Between R47,034 and R56,049

As you can see from the example above, the interest rate can have a significant impact on the total cost over the life of the loan.

How to apply for a R35 000 loan in South Africa.

If you wish to apply for an online loan via CompareLoans click “Go to Site” for the lender you want in our comparison tables above. This link directs you to the lender’s website where you fill in an application form with your personal and financial details.

What are the uses of a personal R35 000 loan?

Personal loans are excellent at helping you pay for a wide variety of things. When your application is approved, and the money reflects in your bank account, R35 000 is usually enough to cover:

Frequently asked questions about R35 000 loans

What do I need to apply?

General requirements for a personal loan application include copies of your South African ID, a minimum age of 18 years, and a regular, monthly income.

How much time do I need to pay off the loan?

You can pay the loan over a term that usually ranges from 12 months to 72 months.

Can I get this loan amount if I’m self-employed?

Yes. Loans for self-employed individuals are available in South Africa if you meet the minimum income requirements.

Popular personal loans searches

View all lenders