Rating based on 22 reviews

Izwe – Personal loans


  • Low-interest up to 24.75%
  • Personal loans up to R250,000
  • Repayment up to 60 months

In-page navigation

Izwe homepage

Author Izwe. Screenshot of Izwe website. [Accessed July 24, 2019]

About Izwe

Many people associate loans with debt or financial problems but we would like to change that perception – our personal loans can be used to finance the things that you love in life.

Whether you need some money to further your education or want to renovate your kitchen – we can help you to get the finance that you need to finance what you enjoy.

We are Izwe: the African lender

The translation for “Izwe” is “country” making Izwe Loans the lender for the African countries. Izwe operates in South Africa, Namibia, and Botswana and offers flexible and affordable financial solutions to fellow Africans in order to help them to enrich their lives whether they need a pension bridging loan or a quick online loan.

We create better financial futures

Izwe is a part of the RCS group which offers a variety of financial services and products. However, their main aim is to provide financial security through innovative online loans. That being said, we aim to embrace the same ideals as our parent company in order to ensure that we assist as many customers as possible on their journey to a better financial future. We plan to do this by offering the best possible online loan deals to our customers with the assistance of our customer-orientated support team.

Izwe Services

When we provide our customers with finance we are giving them more than just money: we are providing them with an opportunity to improve their current living situation.

Our personal loans can be used for a variety of reasons and you can decide exactly what those reasons are. Do not hesitate – apply today via our online loan application.

Get close and personal with a personal loan

The beauty of a personal loan is that it can be used to finance anything. Do you need some additional money for the perfect seaside wedding? Or have you always dreamt of going to Mauritius for your honeymoon? With the help of our personal loans, these dreams can become a reality.

We have flexible and affordable loan options

Obtain a quick loan of up to R250,000 repayable over a period of twelve to sixty months. Our long and short term loans allow you to be as flexible as you need to be with borrowing amounts and loan periods. The rates are also fair, affordable and competitive allowing you to get the finance without the stress.

Simply complete the application and receive a response within seconds. After a decision has been made you could have the money in your account within 24 hours – we suggest you start to pack your bags so long.

Izwe Product Details

  • Loan Type Personal loans
  • Interest Rate 24.75%
  • Loan Amount up to R250,000
  • Repayment 12 months to 60 months
  • Decision 24 hours

Summary of Services

  • Flexible loan options
  • Quick and paperless loan applications
  • Accessible financial solutions

Izwe Loans – we offer more than just a loan

Personal loans are really nifty because of their versatility which means that they can be used to finance more of the fun things in life.

Sometimes debt can creep up on your and in times like this, a debt consolidation loan can help to get you out of the financial pickle.

Get a handle on your debt

Debt consolidation is a good way to help you to gain control of your finances. If you have multiple credit cards, store cards or additional loans and you are struggling to keep up with all the repayments and accumulated interest then you should consider a debt consolidation loan. This will allow you to repay all your current debts and repay one loan per month only. This means that you are saving money which can be used to pay back the loan faster or to finance something that you will enjoy.

We care about you and your family

Because we care about the wellbeing of our customers we want to ensure that they do not make a decision that will place them in a poorer financial position than when they arrived at our doorstep. For this reason, it is obligatory for all payday loans with us to be insured with Customer Protection Insurance. This type of insurance will ensure that the monthly repayments are repaid in the event of death, disability or loss of income for up to twelve months. This does not just provide you with some time to gain control of the situation but also prevents your family from entering bad debt. Who can apply for an Izwe loan?

In order for your application to be considered you need to be eighteen years or older with a valid South African driver’s license or ID. You also have to be employed and earning a minimum of R2,000 per month. You will be required to provide bank statements as proof of income. This is done so that we can determine whether or not you will be able to afford the instant loan. We are a responsible lender and will only lend to you if we are sure that you can afford the repayments. We will never lend to you if the loan will place you in a poor financial position.

How do I decide which loan term is right for me?

When applying for a loan it is important to determine what repayments you will be able to afford monthly. It is best to go for the maximum amount that you can afford in order to pay off your loan faster. While a longer loan term will result in smaller repayments, you will pay the loan off longer and accumulate more interest. The shorter the loan period, the less interest you will be able to accumulate.

man holding thumbs up

Izwe is a trusted & reliable provider of personal loans

In our review, Izwe adheres to the compliance criteria in accordance with NCA regulations, where the granting the loan will not cause financial distress to the consumer.

Izwe is a registered credit provider in South Africa: NCRCP4560

Customer Reviews & Testimonials

February 2019

Whether you are looking for a short-term or long-term loan, Izwe is the ideal lender for any of your financial needs. They understand exactly what fellow South Africans need. They come highly rec...

Thandi M
— Butterworth —

September 2018

Thanks to my personal loan from Izwe I was able to refurbish my kitchen exactly the way that I have always wanted. They are fair, affordable an awesome.

Lorato M
— Mthatha —

February 2019

What I love about Izwe is their flexible loans; I could decide on the loan amount that suits my budget and determines my own repayment schedules.

Travis H
— Paarl —

Izwe Contact Details

Physical Address

  • Aloe Grove, Houghton Estate Office Park 2 Osborn Road, Cnr, Terrace Rd, Houghton Estate Johannesburg Gauteng 2198 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 16:30
  • Tuesday 08:00 – 16:30
  • Wednesday 08:00 – 16:30
  • Thursday 08:00 – 16:30
  • Friday 08:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed