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 January 31, 2023]

Real People - Homeloans up to R120 000

Perhaps you have just taken out a home loan and moved into your new house.

Renovating might be a necessity and this is where Real People can help you out. They strive to make life easier specifically for new homeowners.

The Flexibuild loan explained

Real people know that you might already have a lot of expenses with your new home loan in place and therefore gives you flexibility across the first half of your loan term with them. You will be able to purchase all the building materials you need in a simple 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 for the interest on part of the loan that you have already utilised. Thereafter, your loan interest will be based on the entire amount due and will revert to a fixed monthly repayment until the loan is paid off.

Let Real People 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. They offer you the convenience of financing all your building materials from your choice of participating hardware store in order to help you complete your dream home.

Unique 30% cash out options

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

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

How does it work

Their 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 needs to the value of the loan amount.

You can obtain a short-term loan between as little as R1 000 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 to 48 months to repay the loan and will know if you have been approved or not within 2 hours after they have received your completed application form and all supporting documents.

Unique 30% cash-out options

One of their unique product features is their 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

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 them help you finance your home

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

What you need to apply

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

How do you apply

You will then be asked to complete their 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 dependants
  • Marital status

Can you apply in-store

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

Step 1:

Visit a participating store

Step 2:

Ask the consultant about a Real People loan

Step 3:

Check the loan amount that you will qualify for

An added benefit here is that 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.

Step 4:

Choose the building materials you need in the store

Step 5:

Complete the Real People loan application form in store

You will be given an answer regarding your approval for a personal loan 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 you qualified for.

Do you qualify

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

  • Ages of 18 to 64 can apply
  • You will need to be employed or self-employed
  • Earn at least R2 000 per month
  • Have a South African bank account that your salary is paid into every month

Benefits of a Real People home renovations loan

  • You won’t have to buy everything at once and can buy as you build
  • You’ll only have to pay interest for the first 6 months
  • Affordable, flexible, and simple solutions
  • Over 600 stores for you to choose from

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 —

May 2021

It is such a convenience to work with a Real People loan and to build as I go.

Khozana J
— Middelburg —

June 2021

This is a great initiative and a well-organized service.

Van Standen N
— Pretoria —

September 2021

As a new homeowner, I have found this service very helpful and affordable too.

James K
— Jeffreys Bay —

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