Rating based on 30 reviews

Rural Housing Loan Fund

  • Improved Rural Conditions
  • Low-interest starting from 25%
  • Responsible Development

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Rural Housing Loan Fund homepage
Author Rural Housing Loan Fund. Screenshot of Rural Housing Loan Fund website.
[Accessed December 8, 2022]

About Rural Housing Loan Fund

When the Rural Housing Loan Fund opened its doors to the community, they had good intentions and more heart than you can imagine.

Their goal was to assist every client that needed credit and they've been doing exceptionally well. For more than a decade, their services have grown, making an increasingly bigger impact in the financial sector.

Housing finance

Rural Housing Loan Fund (RHLF) offers services that include awarding qualifying clients with affordable loans online. They do this hand-in-hand with qualified lenders who offer loans based on whether you meet their credit criteria amongst other requirements.

At some point in your life, you'll need housing finance and that's where the Rural Housing Loan Fund will come in. They help every customer that they can - as long as they are a South African resident and meet the individual lender's requirements.

Rural Housing Loan Fund Services

Since 1996, the Rural Housing Loan Fund has been giving households a new lease on life by giving them a place they can call home.

Unlike most financial providers, their credit plans are affordable and they have great home loan programs that are accessible to everyone looking for housing finance with RHLF.

Transparent services

Everything Rural Housing Loan Fund does is accomplished with the utmost transparency. They'll never give you a home or personal loan that will be too expensive for you to repay.

Each loan is designed in such a way that you won’t feel the weight of the loan you are carrying to be heavy.

Furthermore, having a team of experts also makes things so much easier for you because you'll be guided every step of the way.

Rural Housing Loan Fund – Personal loan

  • Loan Type Personal loans
  • Interest Rate 2530% p/a
  • Decision 24 hours

Benefits of Rural Housing Loan Fund

  • Affordable housing funding
  • Funds within 24 hours

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Cash for home upgrades is just a quick, simple online loan application away

There's always something to be repaired or improved in a home, but there's rarely enough cash for financing these changes. That is why you need to use a personal loan.

Rural Housing Loan Fund offers quick personal loans that can be useful in managing expensive upgrades and repairs.

The Rural Housing Loan Fund (RHFL) is dedicated to supporting low-income families throughout South Africa. It does not lend money to people directly. It provides funding to commercial lenders of various sizes so that they can provide affordable personal loans

These loans are specially designed for the financing of housing improvements. They're readily available in all nine provinces. You can expect these lenders to assist you in every way possible to obtain one of their credit products.

How quickly can you obtain a Rural Housing Loan Fund personal loan?

The application process is fairly straightforward. It doesn't differ much from the traditional application process you'll go through with banks and other lenders. The only difference is that you have to visit the office of the lender. The approval should not take more than a few days. Once you sign the loan agreement, you'll be able to use the funds within 24 hours.

The RHFL loans are among the most affordable which you can find. They come with some of the lowest interest rates in the market. The term and repayment schedules are quite flexible. They are specially designed to help you repay the loan comfortably without having to make major changes in your budget.

How much can you get from the RHFL?

The loan amount will depend on how much money you need to repair or improve your home. If the cost of the project is very high, you may not be able to obtain the full amount which you require.

Still, you can expect to get a very large chunk of it. It's important to note that the funds can be used for housing improvement only, you cannot spend the money on other things.

The Rural Housing Loan Fund's personal loans are among the most affordable and the easiest to repay. They are readily available to low-income households and effort will be made on the part of distributors to ensure you're approved.

Customer Reviews & Testimonials

February 2019

The best thing about dealing with the Rural Housing Loan Fund is that you know that they operate responsibly and transparently. When I was borrowing money from them I knew that I was in good hand...

Timothy M
— Alice —

May 2019

Within the span of 24 hours, I had received the money that I needed. When applying from the Rural Housing Loan Fund you can expect to get a fast response and a loan with fast turnaround time. No ...

Siphokazi M
— Paarl —

January 2019

Friendly service, professional attitudes and a great work ethic; they ensure that you get the loan that you get the exact loan that you need to serve just the way you like it.

Aviwe M
— George —

Rural Housing Loan Fund Contact

Contact Number


  • not available


Physical Address

  • 2nd Floor, Liberty Gardens, 10 South Boulevard, Bruma Johannesburg Gauteng 2198 South Africa
  • Get Directions

Postal Address

  • PO Box 645, Bruma, 2026, South Africa

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed