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Personal Loans FAQs

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
R 5 000 + R644
12 Months
Total Repayable
R612
R7 349
24 Months
Total Repayable
R377
R9 059
36 Months
Total Repayable
R301
R10 839
48 Months
Total Repayable
R264
R12 686
60 Months
Total Repayable
R264
R14 597
Loan Amount + Initiation fee
R20 000 + R1 197
12 Months
Total Repayable
R2 111
R25 337
24 Months
Total Repayable
R1 229
R29 500
36 Months
Total Repayable
R942
R33 924
48 Months
Total Repayable
R804
R38 598
60 Months
Total Repayable
R725
R43 512
Loan Amount + Initiation fee
R40 000 + R1 197
12 Months
Total Repayable
R4 039
R48 469
24 Months
Total Repayable
R2 324
R55 786
36 Months
Total Repayable
R1 767
R63 608
48 Months
Total Repayable
R1 498
R71 919
60 Months
Total Repayable
R1 345
R80 694
Loan Amount + Initiation fee
R60 000 + R1 197
12 Months
Total Repayable
R5 967
R71 602
24 Months
Total Repayable
R3 420
R82 071
36 Months
Total Repayable
R2 591
R93 293
48 Months
Total Repayable
R2 193
R105 240
60 Months
Total Repayable
R1 965
R117 876
Loan Amount + Initiation fee
R80 000 + R1 197
12 Months
Total Repayable
R7 894
R94 734
24 Months
Total Repayable
R4 515
R108 356
36 Months
Total Repayable
R3 416
R122 978
48 Months
Total Repayable
R2 887
R138 561
60 Months
Total Repayable
R2 584
R155 058
Loan Amount + Initiation fee
R100 000 + R1 197
12 Months
Total Repayable
R9 822
R117 866
24 Months
Total Repayable
R5 610
R134 624
36 Months
Total Repayable
R4 241
R152 662
48 Months
Total Repayable
R3 581
R171 882
60 Months
Total Repayable
R3 204
R192 240

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.