Personal Loans


You work hard to create a comfortable life for yourself and your family. But sometimes unexpected events occur that leave you financially strained. We understand how stressful it can be when a big expense comes along and you’re not sure how you’re going to pay for it. That’s why we offer Personal Loans specifically designed for women to help ease the financial burden of unforeseen costs. 

How a Personal Loan works

Whether you need a cash injection for sudden medical expenses, education fees, home renovations, or car maintenance, we can provide you with a 1st for Women Personal Loan specifically designed for your needs. You can take out a loan of between R1 000 and R150 000, depending on what you need and how much you’re able to repay. You can choose to pay it back over a period of between 12 months and 60 months, so no matter what, the repayments will be affordable for you.

The maximum interest rate you’ll be charged is 29.25% per annum (compounded monthly) as per the National Credit Act. Your rate and initiation fee will be calculated on your personal risk profile when you get a Personal Loan quote. An illustrative example of a loan at an interest rate of 29.25% would be: Loan amount of R10 000 borrowed for 24 months. Annual Interest Rate: 29.25%. Initiation fee: R1207. Monthly service fee: R69 Total Amount payable: R17 269,60. Monthly instalment amount: R720.

What you need for a Personal Loan application

It’s easy to apply for a 1st for Women Personal Loan. All you need is: 

  • A valid South African ID or driver’s licence

  • Be over 18 years old

  • Have a bank account

  • Earn more than R2 000 per month

  • Proof of income

Personal Loans benefits 

All of our 1st for Women Personal Loans come with a fixed interest rate, so you can count on repaying the same amount every month regardless of interest rate changes.

We don’t take up your time with lengthy interviews and unnecessary paperwork. We understand you need money in a hurry. If your application is approved, you will have the money in your account within 24 hours.

We automatically include Customer Protection Insurance. This covers your loan amount up to a certain limit if you pass away, become temporarily or permanently disabled, or lose your means of income.

Personal Loans quotes 

You can get a Personal Loan quote online right now just by filling in our form with your details. We’ll let you know within minutes whether your loan has been approved. You can also call us on 0861 870 870 if you prefer to speak to a consultant for your Personal loan Quote.

Personal Loan calculator 

Because we know you like to be cautious and do your research before making a decision, we created a handy Personal Loan calculator which you can use before you get a Personal Loans quote with us. You can adjust multiple variables and use it to get a good idea of the loan amount you can afford, what your monthly repayments would be, and the repayment term that suits you best. 

If you still have a few concerns and queries, read our Personal Loans frequently asked questions


*1st for Women Personal Loans are powered by RCS, a registered credit and authorised financial services provider. NCRCP 38/FSP 44481



What you need to apply:
  • Be 18 years or older
  • Have a valid SA ID or Drivers License
  • Have a bank account
  • Be employed and earn R2 000 or more per month
  • You will be required to provide proof of income documentation