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Personal Loans

Plan today for a brighter tomorrow with a 1Life Personal Loan.

Apply now

Do you want to study further, finance a side hustle or consolidate your debt? You can with a 1Life Personal Loan*. No waiting with easy online application and a decision in seconds.

Why 1Life Personal Loans

Personal loans

Get a loan of up to R150 000 if you are employed and earn R2 000 or more

Easy online application

Decision in seconds and cash in your account within 24 hours of approval

Flexible repayment options

Choose a repayment term that suits you from 12 to 60 months – you decide!

Customer Protection Insurance

You are protected, in the event of death, loss of income, temporary or permanent disability with Customer Protection Insurance.

Low interest rates

Save on interest! You benefit from competitive interest rates as low as 15%

Fixed repayments

You have peace of mind with fixed monthly repayments for the term of your loan

Plan today for a brighter tomorrow with a 1Life Personal Loan

1Life Personal loan FAQs

Apply online for a decision in seconds or call us on 0861 877 776.

If you have a monthly income of R2 000 or more and clear credit references, you could qualify for a 1Life Personal Loan**. Read our product FAQs to learn more about how much you could qualify for and how you will get your money.

To apply for a 1Life Personal Loan you must:

  • Be 18 years or older
  • Have a valid SA ID or driver’s license
  • Have a bank account
  • Be employed and earn R2 000 or more per month
  • You will be required to provide proof of income

Based on your individual circumstances, you may be granted a loan in value from R1 000 to R150 000

We understand the importance of protecting yourself and your loved ones against unexpected events. Every personal loan brought to you by 1Life offers Customer Protection Insurance that will pay your full outstanding loan balance in case of death or permanent disability and 12 months installments in case of loss of income or temporary disability.

If you already have a plan or would prefer another, you can substitute our plan with a policy of your choice, as long as the cover provided is equivalent.

The RCS Customer Protection Insurance policy is administered by RCS Cards Proprietary Limited (RCS) and underwritten by 1Life Insurance Limited – authorized Financial Services Providers. Terms and Conditions apply

About 1Life

At 1Life Insurance, we know that insurance changes lives. It pays the school fees when mom is ill and can’t work and pays off the house when dad passes away. We believe that all South Africans deserve peace of mind and financial protection against illness, disability and death. Call us to find out which of 1Life’s affordable, simple and convenient products is right for you.

Discover SAs #1 Direct Life Insurer

Truth About Money

Truth About Money

At 1Life we know that your future is written in how you manage your money. But we also know that South Africans don’t always have the money management skills they need to build the future of their dreams. The Truth About Money makes financial education and services available to all South Africans at no charge.

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