Rating based on 44 reviews

Just Money

  • Personal loans up to R250,000
  • Low-interest starting from 15%
  • Repayment up to 7 years

In-page navigation

Just Money homepage
Author Just Money. Screenshot of Just Money website.
[Accessed April 12, 2023]

About Just Money

Have you been struggling to obtain a personal loan, or perhaps you’re not sure which lender to trust? Leave it all to Just Money, since they specialise in finding you the right loan from the right lender.

Just Money has been helping individuals achieve their financial goals for almost 15 years. From unlimited support and guidance to successful and affordable loan packages, you can have it all when making use of Just Money. They ensure that all products are tailored to the needs of each individual, therefore you only receive the best out of each deal.

Valued services at your disposal

Just Money is dedicated to providing you with the most efficient services. These services include;

  • Monitoring of your financial health
  • Getting you the perfect loan solution
  • Problem-solving for any financial difficulty
  • Assisting you in managing as well as saving your finances

What you can expect from Just Money

Over the years, Just Money has been working hard to ensure that all its clients are happy and satisfied with the products and services they receive. Therefore to ensure that everyone gets treated equally, they have been offering the following support;

  • Digital news and advice
  • Free access to your credit score
  • Respectable lenders to choose from
  • An online calculator
  • Online platform to keep you up to date with the finances

Once you’ve signed up with Just Money, you’ll receive all the above support at no additional cost.

Why you should consider Just Money

Just Money has been the bridge between lenders and borrowers for over a decade. They not only secure the most affordable loans for all their clients, but they also make sure that the lenders are happy and satisfied.

Along with securing finances, they also help to make the application process quick and cost-effective. When applying through Just Money, you receive additional counselling and support that you wouldn’t get elsewhere.

Just Money Services

You can benefit from Just Money’s flexible and affordable loan products.

A personal loan can be unsecured, which means that you don't need to put down any assets as collateral. However, unsecured loans tend to have a higher interest rate, leaving you with a higher overall loan cost.

Nevertheless, you should keep in mind that a personal loan does not restrict you. No matter what you might need it for, it can cover it all.

When applying for a personal loan, you'll have to ensure that all requirements are met and that you'll be able to repay your loan within the set term.

Just Money lending criteria

  • A good and healthy credit score
  • A secure and steady income
  • Your debt expenses should be low

If you have all the above in order, you can go ahead and apply for your personal loan.

Reasons to apply for a personal loan

Applying for a personal loan should not be taken lightly. Therefore Just Money has made a list of reasons why individuals within South Africa apply for a personal loan

  1. For renovations to your property
  2. To consolidate all your other debt
  3. To increase your credit score
  4. For personal expenses, such as a wedding
  5. The opening of a small business
  6. A well-deserved vacation
  7. A new vehicle

Should you be considering any of the above, then you’re in the right place.

Just Money – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1527.25% p/a
  • Loan Amount up to R250,000
  • Repayment 3 months to 7 years

Benefits of Just Money

  • Flexible loan terms
  • Credit life insurance
  • Choose between flexible or fixed interest rate

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.

Complete your application now and enjoy the benefits later

Just money has made the application process easy to access; therefore, the sooner you apply, the quicker you'll receive your finances.

Requirements for a personal loan application

Even though the requirements for each lender differ, Just Money has made a list of basic requirements that all lenders need when considering your application;

  • Proof of your income, such as a 3-month bank statement
  • Your identity document
  • Proof of address, not older than 3 months
  • Your most recent payslip
  • Active employment status

Swift application process

When applying online, certain steps need to be taken. Just Money has made an online calculator available, which will allow you to complete the application much quicker.

To get access to their online application form, you simply need to log on to their website. Once you’ve logged in, you can select your loan type and navigate to the ‘apply now’ option. You’ll then have to fill in some personal details which need to be submitted for your application to be successful.

Should you require additional advice or support, you can simply contact one of their consultants or visit their nearest branch.

Fees and charges involved with a personal loan

When applying for any type of loan, some costs influence your repayments. This includes an initiation fee, which is a once-off fee that needs to be paid on the approval of your loan.

Three charges are included. It consists of your monthly fee, which is a small amount that needs to be paid each month for administrative duties; your interest rates which are calculated according to your loan amount and lastly the loan term.

 The monthly fees run at about R68 each month, and your interest rates could be between 15% and 27.25 per cent per year. Once these have been calculated, you’ll be able to select a repayment term between 3 months and 7 years.

Customer Reviews & Testimonials

July 2022

Getting a personal loan was something I had to do. Choosing to get my loan from Just Money was easy. They have been assisting South Africans for many years and their success stories are inspiring...

Van Willing D
— Port Elizabeth —

November 2022

We needed to buy a new car and were unsure of where to begin looking for financing. A family friend then told us about the personal loan from Just Money. It was the best choice we could make.

Ngwenya S
— Bisho —

August 2022

Just Money has been there for us for many years. With their helpful tools and tips, we have been able to maintain a healthy credit score. Their weekly newsletter is full of great current advice.

Simons V
— Pretoria —

Just Money Contact

Physical Address

  • 186 Loop St, Cape Town City Centre Cape Town Western Cape 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed