Overview
Standard Bank offers a range of loans in South Africa, including personal loans for various needs like emergencies or purchases, and student loans for education funding. As of October 2025, personal loans are up to R300,000 with flexible terms, while student loans cover tuition, accommodation, and more, with options for surety or without. Loans feature personalized rates, quick online applications, and benefits like credit life insurance.
Loan Options
- Personal Loans: Term loans up to R300,000 for any purpose, with fixed monthly repayments.
- Student Loans: Cover full or part-time studies at accredited institutions; options with surety (guarantor) or without (backed by the bank, repay after studies). Includes tuition, accommodation (up to R60,000/year), equipment (R20,000).
- Other Loans: Home loans, vehicle finance, pension-backed loans, and international loans (e.g., min £25,000).
Eligibility
For Personal Loans:
- South African citizen or permanent resident, 18+.
- Employed or self-employed with min R3,000/month income.
- Good credit history.
For Student Loans:
- Student: 18+, enrolled at SAQA-accredited institution.
- Guarantor (for with-surety): Permanent job, min R3,000/month (household <R600,000/year for some).
- Without surety: Based on student’s future earning potential.
Required Documents
- Valid South African ID/Smart Card.
- Proof of residence (≤3 months old).
- Proof of income: 1 month’s payslip (salaried) or 3-6 months’ bank statements (self-employed).
- For student loans: Proof of enrollment, academic results, expense quotes.
How to Apply
- Online/App: Use the Standard Bank website or app for instant quotes and applications. Upload docs and get approval quickly.
- Branch: Visit for assisted service.
- For student loans: Apply online; reapply annually. Funds paid directly to institutions.
Interest Rates and Fees
- Personal Loans: Personalized rates up to prime +17.5% (prime ~11.75% in 2025, so ~15%-29%). Initiation fee R419.75-R1,207.50 + VAT; monthly service fee R69.
- Student Loans: Fixed 11.25% (with surety); variable without. Similar fees; mandatory credit life insurance.
Repayment Terms
- Personal: 12-84 months; fixed installments.
- Student (with surety): Interest-only during studies + up to 6 months grace, then full over term.
- Without surety: Repay after studies. No early penalties.
Example (personal at 15%; use calculator for accuracy):
| Amount |
Term |
Est. Monthly |
| R10,000 |
12 months |
~R900 |
| R100,000 |
36 months |
~R3,500 |
| R300,000 |
72 months |
~R6,500 |
Benefits
- Personalized rates and flexible terms.
- Quick digital process; no queues.
- UCount Rewards on repayments.
- Insurance coverage.
Comparison with Other Banks
Here’s a comparison of Standard Bank personal loans with competitors for 2025:
| Bank |
Max Amount (Personal) |
Interest (Min) |
Terms |
Min Income |
Unique |
| Standard Bank |
R300,000 |
15% |
12-84 months |
R3,000 |
Fixed low student rate, no penalties |
| African Bank |
R500,000 |
12% |
7-72 months |
R3,000 |
Fixed 12% promo, tech add-ons |
| Capitec |
R500,000 |
13% |
12-84 months |
R3,000 |
High limits, self-employed OK |
| FNB |
R360,000 |
17.25% |
12-72 months |
R10,000 |
Payment breaks, insurance |
| Absa |
R350,000 |
13.75% |
2-84 months |
R2,000 |
Rate beat, flexible |
| Nedbank |
R400,000 |
11.5% |
6-72 months |
R5,000 |
Rewards, low min rate |
Standard Bank is competitive for student loans with low rates; for personal loans, others like Nedbank may have lower minimum rates. Get quotes to decide. For other options, explore Old Mutual.
For details, visit www.standardbank.co.za. Rates are subject to credit assessment.
Uhlolojikelele
I-Standard Bank inikeza izimali zokuboleka eNingizimu Afrika, okuhlanganisa izimali zomuntu siqobo zezidingo ezahlukahlukene njengezimo eziphuthumayo noma ukuthenga, kanye nezimali zabafundi zokuxhasa imfundo. Kusukela ngo-Okthoba 2025, izimali zomuntu siqobo zifinyelela ku-R300,000 ngemigomo eguquguqukayo, kuyilapho izimali zabafundi zihlanganisa izindleko zokufunda, indawo yokuhlala, nokunye, ngezinketho zomvikeli noma ngaphandle. Izimali zifaka amanani ayenzelwe wena, izicelo ezisheshayo ku-inthanethi, kanye nezinzuzo ezifana nomshwalense wezikweletu zempilo.
Izinketho Zokuboleka
- Izimali Zomuntu Siqobo: Izimali zesikhathi esifinyelela ku-R300,000 yanoma iyiphi inhloso, ngezinkokhelo zenyanga ezilungisiwe.
- Izimali Zabafundi: Hlanganisa izifundo zegcwele noma zesikhashana ezikhungweni eziqinisekiswe yi-SAQA; izinketho ezinomvikeli (umvikeli) noma ngaphandle (esekelwe ibhange, khokha ngemuva kwezifundo). Ihlanganisa izindleko zokufunda, indawo yokuhlala (kuya ku-R60,000/ngonyaka), izinto zokusebenza (R20,000).
- Ezinye Izimali: Izimali zokuthenga indlu, imali yezimoto, izimali ezisekelwe impesheni, kanye nezimali zamazwe ngamazwe (isib., okungenani £25,000).
Ukufaneleka
Izimali Zomuntu Siqobo:
- Isakhamuzi saseNingizimu Afrika noma umhlali osemthethweni, 18+.
- Eqashiwe noma ozisebenzelayo onomholo omncane ongu-R3,000/ngenyanga.
- Umlando omuhle wezikweletu.
Izimali Zabafundi:
- Umfundi: 18+, obhaliswe esikhungweni esiqinisekiswe yi-SAQA.
- Umvikeli (ngesimali enomvikeli): Umsebenzi oqinile, umholo omncane ongu-R3,000/ngenyanga (umkhaya <R600,000/ngonyaka kwabanye).
- Ngaphandle komvikeli: Ngokusekelwe emandleni okuzuza omfundi esikhathini esizayo.
Amadokhumenti Adingekayo
- Umazisi waseNingizimu Afrika osebenzayo/i-Smart Card.
- Ubufakazi bendawo yokuhlala (≤izinyanga ezi-3 ubudala).
- Ubufakazi bomholo: Iphepha lokuhola lenyanga eyodwa (abakweletwayo) noma izitatimende zasebhange zezinyanga ezi-3-6 (abazisebenzelayo).
- Izimali zabafundi: Ubufakazi bokubhalisa, imiphumela yezemfundo, izilinganiso zezindleko.
Indlela Yokufaka Isicelo
- Ku-inthanethi/Uhlelo: Sebenzisa iwebhusayithi ye-Standard Bank noma uhlelo ukuze uthole izilinganiso ezisheshayo kanye nezicelo. Layisha amadokhumenti futhi uthole ukuvunyelwa ngokushesha.
- Egatsheni: Vakashela ukuze uthole insizakalo esisizwayo.
- Izimali zabafundi: Faka isicelo ku-inthanethi; faka isicelo kabusha minyaka yonke. Izimali zikhokhelwa ngqo ezikhungweni.
Amazinga Wenzalo kanye Nezimali
- Izimali Zomuntu Siqobo: Amanani ayenzelwe wena afinyelela ku-prime +17.5% (prime ~11.75% ngo-2025, ngakho ~15%-29%). Imali yokuqalisa R419.75-R1,207.50 + VAT; imali yesevisi yenyanga R69.
- Izimali Zabafundi: Ilungisiwe 11.25% (enomvikeli); eguquguqukayo ngaphandle. Izimali ezifanayo; umshwalense wezikweletu zempilo uyisibopho.
Imigomo Yokukhokha
- Zomuntu siqobo: Izinyanga ezi-12-84; izinkokhelo ezilungisiwe.
- Zabafundi (enomvikeli): Inzalo kuphela ngesikhathi sokufunda + kufikela ezinyangeni ezi-6 zokuphumula, bese kuba okugcwele ngesikhathi.
- Ngaphandle komvikeli: Khokha ngemuva kwezifundo. Azikho izinhlawulo zangaphambili.
Isibonelo (zomuntu siqobo nge-15%; sebenzisa ikalkhuletha ukuze uthole ukunemba):
| Inani |
Isikhathi |
Isilinganiso Senyanga |
| R10,000 |
Izinyanga ezi-12 |
~R900 |
| R100,000 |
Izinyanga ezi-36 |
~R3,500 |
| R300,000 |
Izinyanga ezi-72 |
~R6,500 |
Izinzuzo
- Amanani ayenzelwe wena kanye nemigomo eguquguqukayo.
- Inqubo yedijithali esheshayo; akukho milayini.
- Imivuzo ye-UCount ezinkokhelweni.
- Umshwalense ohlanganisayo.
Ukuqhathanisa Namanye Amabhange
Nawa ukuqhathanisa kwezimali zomuntu siqobo ze-Standard Bank nabanye abanqobile zango-2025:
| Ibhange |
Inani Eliphezulu (Zomuntu Siqobo) |
Inzalo (Encane) |
Imigomo |
Umholo Omncane |
Okukhethekile |
| Standard Bank |
R300,000 |
15% |
Izinyanga ezi-12-84 |
R3,000 |
Inani eliphansi elilungisiwe labafundi, azikho izinhlawulo |
| African Bank |
R500,000 |
12% |
Izinyanga ezi-7-72 |
R3,000 |
Iphromoshini elilungisiwe le-12%, izongezo ze-tech |
| Capitec |
R500,000 |
13% |
Izinyanga ezi-12-84 |
R3,000 |
Imikhawulo ephezulu, abazisebenzelayo kulungile |
| FNB |
R360,000 |
17.25% |
Izinyanga ezi-12-72 |
R10,000 |
Amakhefu okukhokha, umshwalense |
| Absa |
R350,000 |
13.75% |
Izinyanga ezi-2-84 |
R2,000 |
Ukushaya inani, okuguquguqukayo |
| Nedbank |
R400,000 |
11.5% |
Izinyanga ezi-6-72 |
R5,000 |
Imivuzo, inani elincane eliphansi |
I-Standard Bank iyancintisana ngezimali zabafundi ngamanani aphansi; ngezimali zomuntu siqobo, abanye njenge-Nedbank bangase babe namanani ancane aphansi. Thola izilinganiso ukuze unqume. Ukuze uthole ezinye izinketho, hlola i-Old Mutual.
Ngezimininingwane, vakashela www.standardbank.co.za. Amanani axhomekeke ekuhlolweni kwezikweletu.
