Rating based on 74 reviews


  • Personal loans up to R250,000
  • Low-interest starting from 10.25%
  • Repayment up to 60 months

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Author Investec. Screenshot of Investec website.
[Accessed January 30, 2023]

Investec - Effective personal loans

Investec offers lending solutions that are tailor-made to suit you. They offer personal loans, property financing, vehicle loans, and lifestyle management advice. All their loans come with easy repayment terms and low-interest rates.

Each and every person is unique and has different needs and requirements. Investec will not treat you like just another number but like a person who, like any other, has gone through difficulties and challenges.

You may need a quick loan to pay for a sick child’s medical expenses. You may need money to repair your vehicle so that you're able to keep going to work and providing for your family.

Whatever your reason for needing a loan Investec can assist you and offer you the best financial solution based on your requirements.

The best deal possible

Investec wants to help you find the best personal finance deal possible while boosting your financial situation and maximising your cash flow. Their interest rates are market-leading and their repayment terms are affordable and easy to stick to.

Efficient and transparent

Their approval rate is high and they offer fast and efficient delivery. They'll keep you informed every step of the way, from registration till your online loan application has been approved.

They make sure that you understand the terms and conditions and that your application is handled with privacy and discretion.

Take control of finances

Investec offers the best deals on home loans including up to 100% financing, savings on registration costs, savings on initiation fees, and valuation fees.

With their service, you'll be able to access your property finance 24 hours a day via their online platform. By transferring funds to your private account, you can reduce what you owe. You'll have access to the surplus funds that are available once a year for the first 5 years.

Vehicle finance

They also offer vehicle financing. Their vehicle financing is tailor-made to your individual specifications. Investec's online service makes it easy for you to view your vehicle financing 24 hours a day. They offer 24-hour global client support. If you join their rewards program you can earn up to 200 000 rewards points.

Investec online

Investec's amazing online service helps you take control of your finances no matter where you are. Simply log on and have access to all the built-in services.

  • Make payments to beneficiaries
  • Manage existing and add new beneficiaries
  • View your Investec accounts  
  • Manage your Investec savings, debit and credit cards
  • Access your statements online
  • Manage your personal portfolio

Investec – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 10.25%
  • Loan Amount up to R250,000
  • Repayment 2 months to 60 months

Benefits of Investec

  • A finance specialist
  • Low-interest starting from 10.25%
  • Personal loans up to R250,000
  • Repayment up to 60 months

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.

Investec - Fast personal loans

My briefcase is just like a real briefcase the only difference is that it’s electronic and available to access 24 hours a day.

This electronic briefcase gives you access to electronic copies of all your stored important documents. This is a great place to store secure documents that you don’t want to leave lying around while knowing that they're completely protected by Investec’s secure digital firewall.

Activate your account

To activate your account is very easy, simply call Investec and they'll send you a unique Investec ID that you'll use to set up your own personal password that will allow you access to your account.

For added convenience download the App directly to your cell phone so that you'll have online access via your smartphone where you can even apply for an instant loan. If you log on to a desktop or laptop for added security, they'll send a one-time pin to your cell phone to ensure that it is actually accessing your account.

Your online account allows you to

  • Access and manage your accounts in one place
  • Easily view, print, or download account statements
  • Make payments to beneficiaries and add new beneficiaries
  • Request pin resets

Wealth management

Investec's wealth management service offers expertise that you can trust. All their wealth managers are highly skilled and have years of experience between them. They offer high levels of customer service while assisting you with your financial planning and management requirements.

They design their financial services to meet your individual requirements and tailor-make solutions so that you get the best personal loan deal available. You'll benefit from their years of experience in the financial field while learning how to invest and properly manage your finances. They'll teach you about how to manage risk and rewards as well as to budget and save for your future.

My personal portfolio

With their unique personal portfolio option, you'll easily be able to gauge a complete picture of your financial situation. You can view your assets and liabilities in one easy-to-read and review statement. View all your bank accounts, credit cards, investments, and even your rewards. 

The system will generate easy-to-understand charts that track your income and your spending habits so that you can see exactly where you're going right or wrong. The online service is completely safe and your personal information is treated with confidentiality and remains secure. 

Ways to bank

Investec understands that no one has time to sit in banks and wait in long queues. They allow you to take care of your finances through a variety of different options, these include:

  • Online banking  - this includes access to your personal portfolio and digital briefcase
  • Banking via the Investec App – these include all the online banking benefits while giving you access to your portfolio from the comfort of your smartphone
  • This also gives you access to all the latest news and developments

Your own dedicated personal banker 

You'll be assigned your very own personal, private banker that will be available to answer any questions that you may have. They can also give you professional advice regarding short-term loans, finance, and investments when you need it.

Your private banker will also connect you to Investec's wealth managers, mortgage managers, lending experts, and foreign exchange dealers. They'll even help you switch your personal account to a private banking account while transferring all your debit orders to make the transition as smooth as possible.

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Investec is a trusted & reliable provider of personal loans

In our review, Investec 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.

✅ Investec is a registered credit provider in South Africa: NCRCP9

Customer Reviews & Testimonials

March 2019

After speaking to one of the consultants at Investec, I already knew which loan is suitable for me and my budget.

Kagiso S
— Soweto —

January 2019

Applying for an Investec loan was fast! Within an hour, my loan application was approved.

Hettie V
— Parys —

Investec Contact

Contact Number


  • not available


Physical Address

Investec Universal Branch Code

  • 580105

Postal Address

  • PO Box 785700, Sandton, 2146, South Africa

Opening Hours

  • Monday 08:00 – 16:00
  • Tuesday 08:00 – 16:00
  • Wednesday 08:00 – 16:00
  • Thursday 08:00 – 16:00
  • Friday 08:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed