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 August 31, 2021]

About Real People

The Real People Group has been providing property loans and home improvement loans to South Africans since 2001.

Our company has helped thousands of people enjoy living conditions and lifestyle which they have always wanted. We are dedicated to providing the most effective and affordable financial solutions to our customers.

We serve real people that need real help

Our loans offer up to R120 000 this loan works differently as you will receive a voucher that you can spend at participating hardware stores to improve the quality of your home. These loans have terms of up to 48 months so you will have plenty of time to repay the loan.

This option also illuminates the temptation of spending the money on anything other than what it was intended for. In fact, we pay the money straight to the hardware store. You can have your home loan application approved within 2 hours.

Real People Services

If you need finance 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 out.

We offer highly flexible customised home finance solutions and personal loans in South Africa.

Committed to responsible lending

We know how important it is for every family to have their home and to keep it in good condition. That is why we use our expertise to help people out. We are committed to responsible lending. We do everything to ensure that our customers are capable of managing and repaying their home loans without causing them extra debt. We are there to give you a hand up and improve your living conditions.

Designed with maximum flexibility in mind

Our home loans allow you to make a major positive change in your life without the hassle and without a lot of extra spending. When you come to us, we will work with you to structure the most affordable loan. Our home improvement loans are among the best which you can find in the country and you will receive full finance at attractive rates.

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

If you want to improve your living conditions but you don’t have sufficient savings in your bank account. This may mean that you need to borrow money in order to make this dream a reality.

Real People home loans review will help you decide whether these long and short-term credit products meet your affordability criteria and other important requirements.

Our loans offer flexibility

You can purchase what you need to improve your home as you need it. For the first six months of your loan you will only be charged on the portion of the loan that you have used so far. Thereafter this becomes a fixed-term loan.

If you do require cash in hand, you can apply for our 30% cash-out option this money could assist you with paying labourers or other expenses related to the job at hand.

Highly professional customer service

The Real People Group was founded in 2001 and has grown from a small company to a substantial provider of financial products and services.

We have a diverse portfolio and offer highly professional customer service. You can expect full assistance with everything which you need from start to finish. Our products are easily accessible and this is another great advantage of dealing with us.

Make major repairs and renovations

Real People home loans are designed to provide finance for home improvement projects and improving overall living conditions. These loans were not designed for you to purchase another home. However, you can borrow a sufficient amount of money to make major repairs and renovations which will help you live more comfortably and save on energy in the long term.

We make it convenient to obtain finance

Our home loans are provided directly in most stores where people shop for building materials. This makes it super convenient to obtain finance. You do not have to go back and forth to different branches. Receive the money which you need and pay for the building materials straight away without any hassle. This is a great way to save time and effort and money.

Ensure the most comfortable repayment schedule

The terms and conditions of Real People home loans are generally quite attractive. You can secure a competitive interest rate with easy repayment terms. Select the loan term that best suits your budget. Avoid selecting the longest term for the sake of lowering the monthly instalments. This is because the long term will result in higher total interest payments.

Our application process is quite quick and you can apply in-store in only a few minutes. Read the agreement carefully before placing your signature under it and make sure that you understand all the terms and conditions involved in the deal.

This review finds the Real People home loans to be quite useful for making home improvements. They are convenient and easily accessible.

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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 2018

Real People ensured that I get a loan without any difficulties. I didn’t encounter any technical hassles.

Boitumelo M
— Sebokeng —

January 2019

With Real People, you will never get a home loan that you can’t afford to pay on a monthly basis.

Richard M
— Port Shepstone —

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