Personal Loans from R4000 – R180 000 over 60 months. 

Read this information and make sure this is the right personal loan for you

Thank you for showing interest in our personal loans. Please read this information to make sure this is the right loan for you.


A personal loan can be a steppingstone to a better life. It’s a good way to get cash for emergencies, home repairs, or special occasions like a wedding.


We assist with loans from R4000 to R180 000


Employment terms

We can assist full time employed clients only. We unfortunately cannot assist pensioners, self-employed or commission earners.


Salary terms

We work with clients that take home at least R10 000 per month. Please ensure you only apply if you meet this salary requirement. We will not be able to assist you if you earn any lesser.


Credit terms

We may not assist you with a loan application if you are under a debt management program. That includes administration, debt review or sequestration.

Interest terms

The interest rate will be from 20% – 30%. The rate you receive is based on your personal financial profile and will be discussed with you in your offer.

Your loan approval depends on your credit profile and affordability.  Clients that pass the pre-approval check will be contacted to discuss your application and offer. You will receive an email from us with the outcome of your application.

Pre-approved clients

Clients that meet the criteria for an offer will need to submit the following documents:

1. Clear copy of your id document

2. Proof of residence (not more than 2 months old)

3. Your latest 3 months bank statement

4. Your latest payslip

If you are looking for vehicle finance please vist https://jkmsloans.co.za/vehicle-finance/ to find out more about our vehicle finance solution.