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What are the loan repayment terms?

Repayment terms for an Auto & General Personal Loan are from 12 months to 5 years (60 months) and based on the Loan Options table below.


Loan Amount + Initiation fee
R5 000 + R649.65
12 Months
Total Repayable
R638
R7 656
24 Months
Total Repayable
R403
R9 667
36 Months
Total Repayable
R326
R11 747
48 Months
Total Repayable
R289
R13 893
60 Months
Total Repayable
R268
R16 101
Loan Amount + Initiation fee
R20 000R1 207.50
12 Months
Total Repayable
R2 205
R26 458
24 Months
Total Repayable
R1 322
R31 729
36 Months
Total Repayable
R1 035
R37 255
48 Months
Total Repayable
R896
R43 029
60 Months
Total Repayable
R817
R49 038
Loan Amount + Initiation fee
R40 000 + R1 207.50
12 Months
Total Repayable
R4 219
R50 629
24 Months
Total Repayable
R2 504
R60 089
36 Months
Total Repayable
R1 946
R70 047
48 Months
Total Repayable
R1 677
R80 485
60 Months
Total Repayable
R1 523
R91 380
Loan Amount + Initiation fee
R60 000R1 207.50
12 Months
Total Repayable
R6 233
R74 800
24 Months
Total Repayable
R3 685
R88 449
36 Months
Total Repayable
R2 857
R102 839
48 Months
Total Repayable
R2 457
R117 941
60 Months
Total Repayable
R2 229
R133 722
Loan Amount + Initiation fee
R80 000R1 207.50
12 Months
Total Repayable
R8 248
R98 970
24 Months
Total Repayable
R4 867
R116 810
36 Months
Total Repayable
R3 768
R135 630
48 Months
Total Repayable
R3 237
R155 397
60 Months
Total Repayable
R2 934
R176 064
Loan Amount + Initiation fee
R100 000R1 207.50
12 Months
Total Repayable
R10 262
R123 141
24 Months
Total Repayable
R6 049
R145 170
36 Months
Total Repayable
R4 678
R168 422
48 Months
Total Repayable
R4 018
R192 853
60 Months
Total Repayable
R3 640
R218 406

 

 

Will my loan repayments be affected by interest rate fluctuations?

No. The interest rate on your loan will be fixed at our current interest rate for your full loan term, so your repayments will never increase, even if the interest rate goes up.

 

Can I choose how I make my repayments?

For your convenience, your repayments will be deducted by debit order from the bank account into which your salary is paid every month.

 

How can I protect my family?

Every Auto & General Loan includes our Personal Protection Plan, which settles your outstanding loan balance in the event of your death, permanent disability or certain dread diseases. It also provides limited cover in the event of temporary disability and should you be retrenched, a once-off payment equal to six instalments will be paid out to you. Of course, you're free to substitute the plan with a policy of your choice, providing the cover offered is equivalent.