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Izwe Loans Personal Loan Repayment Calculator

Izwe personal loan calculator will help you uncover the total cost of financing your Izwe Loans personal loan. It determines the monthly loan repayment of a certain loan amount over a set period of time in order to help you budget for this expense.

Once you input the loan amount and adjust the loan term then click calculate. You can adjust both the loan amount and loan term as much as you like. Go ahead and try.

Calculate repayments

Flexible loans, on your terms. Get a Personal Loan of up to R250 000. Same day approval!


Minimum monthly incomeR2,000

Minimum term (months)12 months

Interest rate21.00%

Personal loan APR21.00%

EST monthly repayment (approx)R670

Total repayment amount (approx)R24,120

Total interest & fees paid (approx)R9,120

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR936.50

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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

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Minimum monthly incomeR4,000

Minimum term (months)12 months

Interest rate16.00%

Personal loan APR16.00%

EST monthly repayment (approx)R640

Total repayment amount (approx)R23,040

Total interest & fees paid (approx)R8,040

Rate typeFixed

Secured or unsecuredUnsecured

Initiation feeR1,207.50

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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

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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?

Izwe personal loan calculator for flexible monthly repayments

Whether you’re planning to use an Izwe personal loan to consolidate your debt, make home improvements, or pay for your child’s education, you can surely benefit from using the Izwe personal loan calculator.

Simply tell the Izwe loans calculator a few details about the loan you want to take out, and it will immediately show you an example of your monthly repayments. Therefore, the Izwe loans calculator is a valuable tool that gives you practical information. The best news is this calculator from is free, easy-to-use, and offers many advantages!

Advantages of the Izwe personal loan calculator

Overall, the Izwe loans calculator offers you these benefits:

  • It makes shopping for the right Izwe loan easier;
  • You have a great preparation tool you can use as many times as you wish for free;
  • It helps you choose the right monthly instalment to suit your budget;
  • By choosing the best monthly repayment amount, you can save money in the long term;
  • The calculator gives you fast results so you can make an informed decision in just minutes;
  • Above all, it’s simple and easy to use.

How does the Izwe personal loan calculator work?

Follow the instructions provided below to get a working estimate of your monthly repayment for the Izwe personal loan you have chosen:

  1. You start by entering the amount you want to borrow. For this, input the amount in the correct field by either typing a specific number or moving the slider left or right.
  2. Next, enter the number of months you need to repay the loan. Again, you can type into the correct field or adjust the slider to input the desired length of your loan.
  3. Press the “Calculate Repayment” button to get immediate results.
  4. You can use this loan repayment calculator as many times as you wish. Adjust the loan term and amount to see if you can come up with a better result.

Why is it important to know the monthly repayments for Izwe loans?

If you’re shopping for the right Izwe loan, you should keep in mind that borrowing money can be a long-term commitment that affects your budget for months to come. The Izwe personal loan calculator gives you a realistic idea of what to expect. If you want to borrow responsibly, then you need to carry out some research by yourself using the necessary tools. That’s where the Izwe loan calculator from helps!

How does the Izwe loan calculator help you estimate the total cost of the loan?

You can look at the following representative example to get an idea of how your monthly repayments can affect the total cost of your loan:

  • Loan amount: R7500
  • Loan term: 24 months
  • Maximum interest rate: 24.75%
  • Initiation fee: R936.50
  • Monthly service fee: R69
  • Monthly instalment: R552
  • Total cost of the loan: R13 248

Please note the exact cost of your loan may vary depending on your personal risk profile. However, the estimate helps you plan ahead as it gives you an idea of what your nearest monthly payments will be. From there, you can multiply the monthly payments with the number of months in your loan term to get an estimated total cost for your loan.

How does loan term affect monthly repayments for your Izwe loan?

Your Izwe personal loan term is the number of months you choose to pay back the loan. If you choose a longer loan term, the repayment calculator gives you lower monthly payments for your loan amount. However, that also means it will take longer to pay off the loan, and you’ll, therefore, end up paying more in interest.

That automatically means the total cost of your loan becomes higher. On the other hand, choosing a shorter loan term means the result from the Izwe repayment calculator is higher, but you’ll finish paying off the loan quickly, which saves you money in the long run. The trick is to keep adjusting the loan terms in the calculator until you find a monthly payment that is affordable and which allows you to pay off the loan quickly at the same time.

A quick guide to Izwe personal loans in South Africa

How much can you borrow?

Loan offers range from R1000 to R250 000, depending on your income and expenses.

What are the loan terms?

You can repay your Izwe loan over a period that is between 12 and 60 months.

What can the loan be used for?

You can use the cash loan to cover your child’s education, home improvements, and debt consolidation.

What are the Izwe loan requirements?

You’ll need a South African ID, a monthly minimum salary of R2000 and proof of income (bank statements and payslips). In addition, you must be 18 years or older.

How does the Izwe loan application process work?

The loan application can be made online starting from this page. After using the Izwe repayment calculator, simply click the “Go to Site” button for Izwe loans located in the comparison tables above.

How do Izwe personal loans work, overall?

With Izwe loans, you get same-day approval, flexible repayment terms, and competitive interest rates that favour your budget.

Read more about Izwe personal loans.

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