Rating based on 61 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 May 13, 2018]

Real People - Homeloans up to R120 000

Our company Real People understand that you are a real person and not just a sum of your data and a risk profile.

We offer quick cash loans of up to R120 000 for clients spend at over 600 participating hardware stores this will give you all the tools and materials you need for your dream home.

How does it work?

Our company pays the loan amount directly to the hardware store of your choice. You will then be able to visit the store and purchase products, tools and materials for all your building or renovation need to the value of the loan amount.

Our short-term loans range from as little as R1000 for small renovation jobs to as much as R120 000 for when you have a bigger project and need a long term loan. You will be given up the 48 months to repay the loan and will know if you have been approved or not within 2 hours after we have received your completed application form and all supporting documents.

More flexibility with a flexibuild loan

We give you flexibility over the first 6 months of the loan you will be able to purchase all the building material you need in a step by step process so you can purchase materials as you complete each step of your home instead of needing to purchase everything all at once.

During these 6 months, you will only be charged on the interest on the portion of the loan that you have already used. Thereafter, your loan interest will be calculated on the entire amount owed and will become a fixed instalment amount until the loan is paid back in full.

Unique 30% cash out options

One of our unique product features is our 30% cash out option.

You can receive up to 30% of the total home loan amount in cash. This can be used to help pay for builders, labour and other expenses that are related to the industry

What do I need to apply?

  • A valid South African ID or drivers license
  • A copy of your latest pay slips or bank statements that reflect your last 3 salary deposits
  • Your last 3 pay slips
  • Three months bank statements if you are self-employed

How do I apply?

You will then be asked to complete our online loan application form with the following details:

  • First names
  • Surname
  • ID number
  • Cell number
  • E-mail address
  • Education level
  • Resident status
  • Years at that address
  • Number of dependents
  • Marital status 

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

Benefits of Real People

  • Get approved in 2 hours
  • Home improvement finance up to R120,000

Real People - Let us help you finance your home

If you are thinking of building yourself a new home or extending or renovating your existing home, you should apply for a loan from Real People home loans.

We offer you the convenience of financing all your building material from your choice of participating hardware store in order help you complete your dream home.  If you've just secured a property loan and are now wondering how you're going to get the finance to refurbish your new home we have the perfect solution for you. There are over 600 participating hardware stores countries wide. You can choose whatever you need in order to build or renovate your home up to the loan amount.

Can I apply in store?

For added convenience, you can now apply at your nearest participating store simply:

  • Visit a participating store
  • Ask the consultant about a Real People loan
  • Check the loan amount that you will qualify for
  • Choose the building materials you need in the store
  • Complete the Real People loan application form in store

You will be given an answer if you are approved for a personal cash loan or not within 2 hours subject to all relevant supporting documentation being received.

Real people will pay the hardware store directly and you can shop up to the loan amount.

Do I qualify?

To qualify you will need to meet certain criteria such as:

  • To be between the ages of 18 and 64
  • You will need to be employed or self-employed
  • Earn at least R2000 per month
  • Have a South African bank account that your salary is paid for every month

Do I have to go to the store to apply?

You will need to go to your nearest participating store to apply in order for us to assist you and give you advice on the loan amount you will need to complete your project. Our consultant will have to check your application to make sure that you qualify and you can simply hand them your supporting documentation. Within 2 hours of applying you will be given an answer and then you will be able to start shopping.

Do I have to sign the quotation?

Once you have chosen the tools and materials that you need, you will be given a quotation, this quotation is just to give you a basic idea of what your project might cost. You are under no obligation to sign for the quotation and you are under no commitment to buy.

Will I be charged interest on my Real People loan?

Yes, you will be charged interest depending on your credit profile and risk profile.

Will the store ask me to pay a deposit?

The store will only ask you to pay a deposit if the quotation is more than the agreed to the loan amount. If the loan amount will cover the cost of the quotation in full, then no deposit will be required.

What happened if I want to cancel?

In the event that you would like to cancel then please go to the store, you will be asked to sign a cancellation form once the store has accepted your cancellation. The store will then refund the money to Real People. There might be a cancellation fee charged depending on why the deal was cancelled and other factors.

Customer Reviews & Testimonials

March 2019

At Real People you get treated like a real person. At my previous lender I felt like a number in the system and a means to make a quick buck but that is definitely not the case at Real People. Th...

Anelisa M
— Pretoria —

November 2018

With Real People’s flexible loan option we were able to purchase our building materials and build our new home over a six month period before we had to start paying maximum interest. Great opport...

Samkelisiwe D
— Germiston —

February 2019

Applying has never been simpler than now with the online application process for Real People. I could complete the application from the comfort of my home and set the ball rolling before having t...

Sisipho K
— Johannesburg —

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