// Comparison Engine
SA Banks — Side by Side
Filter by:
| Bank ⇅ | Savings Rate ⇅ | Home Loan ⇅ | Personal Loan Rate ⇅ | Monthly Fee ⇅ | Digital Score | Rating | Action |
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// Why FinSharp
Built for South Africans
Real-Time Rates
We track prime rate changes from the SARB and update all linked rates automatically.
No Bias. No Ads.
FinSharp earns nothing from listed banks. Rankings are driven purely by data.
Deep Data
Beyond headline rates — credit cards, vehicle finance, and business banking in one place.
SA Focused
Built specifically for the South African market across all major institutions.
// Personal Loan Rates
Personal Loan Comparison
NCA Regulated: The maximum personal loan interest rate in SA is Prime + 21% (~32.75% p.a.). Your actual rate depends on credit score, income, and term. Always confirm directly with the bank before applying.
| Bank | Interest Rate Range | Min Amount | Max Amount | Max Term | Initiation Fee | Monthly Admin | Credit Life | Best For |
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// Key Factors
What Affects Your Rate?
Credit Score
A score above 670 typically gets the lower end of a bank's rate range. Below 580 means near-maximum rates or possible rejection.
Employment
Permanently employed applicants get the best rates. Contract or self-employed workers may face higher rates due to income variability.
Loan Term
Shorter terms (12–24 months) usually carry lower rates. Extending to 60–84 months increases total interest paid significantly.
Loan Amount
Larger amounts (R50k+) often attract better rates. Small loans under R5,000 can carry near-maximum rates.
// Student Financing
Student Loan Options in SA
NSFAS First: If you qualify, apply for NSFAS before any bank — it offers interest-free bursaries and loans for qualifying students at public institutions. Bank loans should be for top-up funding or non-qualifying students only.
// Key Facts
Before You Borrow
NSFAS First
Apply for NSFAS before any bank. Qualifying students at public universities can receive full bursaries covering tuition, accommodation, and living costs.
Surety Required
Most banks require a parent or guardian as surety. Their credit record and income will affect approval and rate.
Grace Period
Many bank loans allow interest-only payments during studies. Full repayment begins 6–12 months after completing your qualification.
Eligible Institutions
Loans typically cover registered SA universities, universities of technology, and some private institutions. Confirm eligibility before applying.
// Loan Calculator
Calculate Your Repayments
⚙ Loan Parameters
R 50,000
24 months
15.75%
📊 Results
Monthly Repayment
R 0
Adjust the sliders and calculate
Total Repayable
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Total Interest
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Loan Amount
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Effective Rate
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