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Looking for a personal loan?
Our personal lending products offer finance to help you buy your own home, a new car, or fund your dreams

Borrow For Your Needs

Some of the benefits

Teared Interest

Interest rates that scale to reward consistent savings

Invest

Save for the future, by investing your money in one of our savings and investment accounts

Protect your assets

A full range of insurance products to cover you when life takes an unexpected turn

24/7

Transact and access accounts online anywhere, anytime
Fixed Term Loan

Cover an extension to your home, new furniture, or surprise repair bills with a personal loan from Standard Bank. No collateral needed, fixed monthly payments.

Fixed Term Loan
Revolving line credit
Revolving line credit

Continuous credit, letting you borrow again up to the original loan amount, provided you’ve paid back at least 15% of the original amount. Minimum monthly repayment is calculated as a percentage of the outstanding amount, but you can make additional payments of any amount at your own convenience.

Salary Earner Scheme

If you don’t earn enough to qualify for traditional loans, and you work for a company which has partnered with us, you may still be able to borrow through our Salary Earner Scheme

Salary Earner Scheme
Revolving Term Loan
Revolving Term Loan

If you are expecting to need additional funds later on, this offering requires fixed monthly repayments, and gives the option to borrow again without repeating the approval process, provided you’ve made at least six payments.

Homeloans

Your home is your most important asset, providing not only an investment into your future but shelter, warmth, and memories. Standard Bank offers a simple application process to finance your home, with a loan payable over up to 20 years, and an interest linked to the prime lending rate.

Homeloans
Heartland Homeloan
Heartland Homeloan

A home loan especially for our Basotho clients living and working abroad. Build your dream home in Lesotho, secure an access bond and apply for equity release on your property in Lesotho, all while living out of the country.

Vehicle Asset Finance

Financing your purchases of large ticket items like vehicles and other movable assets. Take ownership of your new car immediately, with up to 60 months to pay back the loan. Flexible, affordable, with interest calculated according to your risk profile.

Vehicle Asset Finance
We are a leader in our sector

Speak to one of our advisers about the best products for your needs