Rating based on 82 reviews

Real People

  • Home loans up to R120,000
  • Low-interest starting from 24.95%
  • Repayment up to 48 months

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Author Real People. Screenshot of Real People website.
[Accessed December 12, 2022]

About Real People

Real People is a reliable home loan provider who wants to help you make the home of your dreams a reality.

Improve your living conditions with an affordable home loan. They have been providing home loans since 2001 and have helped thousands of people to make their dreams come true. They offer flexible customized home finance solutions.

What makes Real People different

Real People offers finance that is different from ordinary home loans. They provide a quick and easy-to-use voucher. The voucher can be used at any participating hardware store to purchase all your building materials. The home loan voucher will help you resist the temptation of overspending.

Hassle-free home loan voucher

Real People is committed to helping you improve your living and help you keep your home in good condition. They are committed to responsible lending. Real People will do everything to ensure that their customers can manage and repay their home loans without causing them any extra debt.

Competitive home loan deals

A home loan with Real People will have a positive reflection on your life. They want to help you get the most affordable home loan. If you need a home loan to buy a home or to make major home improvements, but you cannot obtain credit from the big banks, the Real People Group is here to help you build a dream.

Real People Services

You are a top priority to them.

They promise you the good customer service that you deserve. Their service is promised to be diverse and professional. They are convenient and offer easily accessible home loans. Receive the home loan you need and pay for the building materials straight away without any hassle.

Repairs and renovations

They will help to get repairs and renovations done. Their home loans are provided directly in most stores where people shop for building materials. This makes it super convenient.

You do not have to go to different branches, saving you time and money. Their home loans are designed to provide finance for home improvement projects and improve overall living conditions.

Tailored home loans with Real People

The terms and conditions of Real People’s home loans are attractive. You can secure a home loan with a low-interest rate with easy repayment terms. Select a home loan term that best suits your budget. Their home loan application process is quick, and you can apply in-store in only a few minutes.

Easy and comfortable repayments

Real People can make a positive change in your life without extra spending. They have a diverse portfolio and offer highly professional customer service. They will work out a structure for your home loan. Purchase what you need to improve your home and pay later.

Real People – Home loan

  • Loan Type Home loans
  • Interest Rate from 24.95%
  • Loan Amount up to R120,000
  • Repayment 12 months to 48 months
  • Decision 2 hours

Benefits of Real People

  • Flexible repayment terms
  • Get approved in 2 hours
  • Affordable rates

With our home loans we put the joy back into buying your first home

With over 600 hardware stores countrywide you are spoiled with variety and can choose your building materials with ease.

Real People offers home loans for home improvements worth R120 000. The repayment calculator will work out how much you can apply for, and it will also work out the payment that you will need to make.

How you can apply for a home loan

Visit a participating store and get a home loan application from one of their friendly consultants.

Check the mortgage amount you qualify for and choose the materials needed for the building.

Complete the home loan application form, you will receive an approval confirmation within two hours. There will be no fuss in going to the store to get or pay your home loan as Real People pays the home loan funds into the account of the hardware store of your choice.

As your renovations progress, you're allowed to purchase the materials needed over the initial 6-month home loan period. Opt for their 30% Cash option where you can use up to 30% of the home loan in cash to pay for labour-related items needed for your renovations.

What you will need to apply for a home loan

  • A valid identification document.
  • Rica registered cell number.
  • 3 months' worth of payslips, being the most recent.
  • You are employed and earn more than R3600 per month.
  • Between the ages of 18 and 64.

 The benefits Real People have to offer

  • Up to 48 months to pay your improvement home loan
  • Approval in as little as 2 hours
  • 30% cash-out option
  • Flexible home loan repayment terms
  • Affordable rates
man holding thumbs up

Real People is a trusted & reliable provider of home loans

In our review, Real People adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Real People is a registered credit provider in South Africa: NCRCP 103

Customer Reviews & Testimonials

August 2021

With Real People’s home loan option, we were able to purchase our building materials and build our new home. The service was outstanding. We will recommend them.

Pieter M
— Cape town —

January 2021

At Real People, you get treated like a real person. Well done on providing us with the best mortgage. We will make use of Real People in the future.

Sue C
— Port Elizabeth —

September 2021

We received confirmation about approval in 2 hours. Excellent service. I am proud to be a customer of Real People.

Bianca B
— Pretoria —

Real People Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 09:00 – 13:00
  • Sunday – Closed