Rating based on 46 reviews

Loans Direct

  • Personal loans up to R150,000
  • Low-interest starting from 30.66%
  • Repayment up to 72 months

In-page navigation

Loans Direct homepage
Author Loans Direct. Screenshot of Loans Direct website.
[Accessed May 13, 2018]

Loans Direct - Up to R150,000

Loans direct allows you to borrow up to R150 000 with easy-to-manage repayment terms.

Loans direct is there to help you get cash fast when you need it most. We are fast becoming South Africa’s first choice when it comes to lenders.  We comply with the National Credit Act and all our loans are subject to a credit check. A loan will only be granted if you are able to afford the repayments without pushing yourself further into debt.

How to apply

To take all the hassle out of applying for a loan, our application process can be completed online and we have made it very simple for you to upload your documents directly. We will need the following details:

  • First name
  • Last name
  • South African ID number
  • Mobile number
  • An alternative number that must be a landline number
  • E-mail address
  • Supporting documentation

You will need to give consent for us to run a credit check and confirm that you aren’t in any form of debt review or debt counseling. The maximum interest rate charged for a loan is 27.5% with easy repayment terms of up to 72 months.

Personal loans

If you need a long and you need it quickly, then you have come to the right place. Borrow as much as  R50 000 and choose between our easy repayment terms of up to 7 years. All our personal loans are unsecured a loan, which means you don’t need to list any of your assets as collateral and won’t need to risk losing them. 

Fixed interest rate

All our loans have fixed repayment terms, this ensures that you can manage your budget and finances better. The rate will not increase during the period of the loan agreement.

We get the quote, you can compare

Loans direct offers you the best deals on car insurance we get you up to 6 quotes in the quickest time.

We will help you save money on car insurance by letting you compare different quotes so that you get the best deal.  

Simple to apply

Apply by logging onto our website and filling out the online loan application form. We will then apply for quotes on your behalf and send them to you.

You compare the quotes and chose the one that best suits your needs. We will then call you back and put you in touch with your preferred provider.


The benefits of using our service provide no excess options, free tracker installation, cashback in your hand, home assistance for if you need a plumber, electrician, or locksmith. We also provide emergency roadside service 24 hours a day.

The benefits of choosing our service include:

  • We give you the choice between 6 different personal loan quotes
  • We offer a professional brokerage service
  • We offer discounted rates and negotiate the best prices for you
  • We always put our clients first and operate with honesty and integrity

Simply call us on 0860 111 510 if you need any help during the application process and one of our friendly consultants will be glad to assist you.

Loans Direct – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 30.66%
  • Loan Amount up to R150,000
  • Repayment 6 months to 72 months

Benefits of Loans Direct

  • Quick and convenient online applications
  • Affordable interest rates

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Loans Direct- Loans and insurance

We offer you the best quotes on life insurance so that you can save on funeral expenses.

The benefits of choosing our service include

  • We offer full coverage with you needing to go for intrusive medical examinations
  • We cover HIV
  • Or cover is less than R3 a day
  • We accelerate your benefits so that you can get immediate payouts
  • We offer a range of memorial benefits
  • Our life cover is convenient and we offer excellent customer service
  • It’s so easy to apply via our website or via telephone

Choose our service when you are looking for the best deal possible on car financing. Simply apply online and we will get you 6 quotes for you to choose between.

Once you have chosen we will call you back and negotiate the lowest price best terms for you.

The benefits of using our service include:

  • Approval in as little as 24 hours
  • Competitive interest rate
  • Your choice of a fixed interest rate
  • Skip a month payment once a year
  • We offer life insurance products including death cover, dreaded disease cover, and cover in the case that you are retrenched
  • We will test your vehicle and have it approved by one of our trusted technical centers
  • We offer the best advice and  friendly, professional customer service

Short term insurance policies

What exactly is a short-term insurance policy? A short-term insurance policy covers you against loss and damage. How does the lender determine if I am a good candidate for a short-term insurance policy?

Many different factors can influence how much you will be charged for a short-term insurance policy. Short-term insurance policies can be taken out of both your vehicle and your household items.

Factors that may influence your vehicle short-term insurance policy  

  • How old you are
  • What type of vehicle you are insuring
  • The type of cover you require
  • What you will be using the vehicle for
  • If an additional cover is needed

Factors that may influence your household short-term insurance policy

  • The area you live in especially if it’s considered a high-risk neighborhood
  • If the property is secured
  • The type of cover that you require
  • If you will pay a voluntary excess

Life insurance 

Death is a fact of life and although no one wants to think about it, if you are the sole provider for your family you will need to think very carefully about how your death will influence your family. What will happen to your children if your spouse is unable to pay school fees? What would happen if you have outstanding debt including short-term loans and credit cards?  

Will your spouse have enough money to cover the funeral expenses? If you leave your family with nothing, what will become of them? These are very difficult questions to ask yourself and most people try not to think about death and push it out of their minds. Accidents happen and you need to think about the future and make sure your family is taken care of.

Contact us

If you need quotes for personal loans, vehicle insurance, life insurance or vehicle financing then contact us either via our website or call 0860 111 542

Customer Reviews & Testimonials

November 2018

One business day was all it took for me to get a response on my loan application.

Lebogang S
— Upington —

April 2019

I would recommend the credit services of LoansDirect to anyone; they are fast, affordable and reliable.

Rajesh C
— Pietermaritzburg —

Loans Direct Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • not available