See what your monthly repayments could look like. Choose an amount, a term and an interest rate to get an estimate, then compare real offers from NCR-registered lenders.
R
R1 000R250 000
months
6 months72 months
%
11%28% max
R
Estimated monthly repayment
R0
- Amount borrowed
- Total interest
- Fees (incl. VAT)
- Total you'd repay
This calculator gives an estimate only and is not a loan offer. Mashonisa is an online loan comparison tool and not a credit provider. We only work with NCR-registered credit providers in South Africa, and our comparison service is free. Interest rates charged by credit providers may start as low as 11%, up to a maximum of 28% a year, with repayment terms from 6 to 72 months. Fee estimates use the National Credit Act maximums for unsecured credit: an initiation fee of R165 plus 10% of the amount above R1 000 (capped at R1 050, plus VAT, added to the loan) and a monthly service fee of R60 plus VAT. Representative example: R30 000 over 36 months at 28% is about R1 360 per month including fees. All loans are subject to lender approval, affordability checks and the lender's final terms.