Rating based on 35 reviews

Standard Bank Loans

Updated

  • Quick loans up to R300,000
  • Personalised interest rates
  • Repayment up to 60 months

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Standard Bank homepage

Author Standard Bank. Screenshot of Standard Bank website. [Accessed August 31, 2021]

About Standard Bank

Standard Bank sets quality standards for the South African banking sector and brings innovative products and services to market.

With 151 years of history, they're a leader in personal and business finance, and corporate and investment banking.

Over the years, they've spread their activity to 17 other African countries and currently have over 1250 branches and over 8500 ATMs all over the continent.

Listed on the Johannesburg & Namibian stock exchanges

At the end of 2012, it had headline earnings of R15 billion and a total capitalization of R191 billion.

Standard Bank has a strategic partnership with banks in Africa and China. It has a BBB rating from Standard & Poors and Fitch.

Standard Bank Services

The Standard Bank personal loan is the best quick cash solution that you can find on the South African credit market.

If you earn more than R3,000pm, you can take out a personal loan which is capped at R300,000. The loan amount you can qualify for will be set after an affordability assessment.

Competitive interest rates

The advantages of Standard Bank's loans include competitive interest rates, a quick loan application and loan approval, fixed minimum monthly repayments, and no penalty fees for early termination plus optional credit life insurance.

Their loans are available to all South Africans who are between 18 and 65 years of age and have formal employment where they earn R3,000 or more before deductions plus a bank account.

The loan can be used for anything from making a major purchase to paying school fees. Loans terms stretch from 12 to 72 months and will be tailored to your needs. 

Standard Bank – Quick loan

  • Loan Type Quick loans
  • Loan Amount up to R300,000
  • Repayment 90 days to 60 months

Benefits of Standard Bank

  • It's easy to apply online 
  • Get approved fast
  • Quick funding

Quick loan calculator


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The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Standard Bank's quick loans are among the best in the country

There are many times when you need more money than you have at a particular moment.

In such situations, you would want to get a fast and affordable credit product. This will help you deal with any emergency or achieve your goals. 

Standard Bank is among the oldest and largest banks in South Africa. Their products are highly competitive while their customer service is dedicated and professional.

You can expect excellent personal treatment and great attention to detail. This bank can be your long-term financial partner.

Loans are available fast

Standard Bank's quick loans are available online. You can complete a loan application in a matter of minutes or simply accept a provisional offer. You will learn the outcome of your application on the same day.

It may take a bit of time for the application documents to be processed, but you should not expect to wait for too long. You'll have access to the granted funds soon after signing the loan agreement.

There are several requirements which you must meet in order to qualify for one of these unsecured personal loans. When you apply for a loan, your credit record will be checked. People who are blacklisted can still apply for a loan.

Borrow between R6 000 and R30 000

There are two types of Standard Bank quick loans to pick from. The Revolving Credit Plan (RCP) enables you to borrow between R6 000 and R30 000. Once you've repaid 15% of the loan in the form of fixed monthly instalments, you'll be able to redraw cash up to a set limit.

This solution is highly flexible and convenient, but you must be extremely financially disciplined in order to be able to repay the loan without getting into more debt.

The Access Loan allows you to borrow cash up to R80 000 for a period of 1 to 5 years. The interest rates are competitive but will be determined based on your individual credit profile. The monthly payments are fixed and this is quite beneficial.

Standard Bank's quick loans are useful, flexible, and affordable.

man holding thumbs up

Standard Bank is a trusted & reliable provider of quick loans

In our review, Standard Bank 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.

Standard Bank is a registered credit provider in South Africa: NCRCP15

Customer Reviews & Testimonials

September 2020

Getting a quick loan with Standard Bank is quick and easy

Leonard T
— Benoni —

August 2020

I applied for a loan with Standard Bank and they were very helpful.

Gerald F
— JHB —

November 2020

I can't believe how fast the application process was. I got my loan quickly

Jennifer G
— Pretoria —

Standard Bank Contact

Physical Address

Standard Bank Universal Branch Code

  • 051001

Postal Address

  • PO Box 7725, Johannesburg, 2000, South Africa

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday Closed –
  • Sunday Closed –