Short-term loans.
Know the cost.
Check a repayment example, then visit our lending partner to apply.
Before you apply
Estimate your repayments
Use our planning example to compare amounts and terms. Partner rates may differ.
Interest and fees
- Loan amount
- R 3 000,00
- Interest (3% per month)
- R 181,77
- Once-off initiation fee
- R 250,00
- Service fees (R30/month)
- R 90,00
Fees include VAT. Final payment: R 1 173,93. Rounding can change the final payment by a few cents.
Paid partner link. Opens a new tab. Approval and terms are set by the provider.
This calculation is not a loan offer. Read the assumptions. Your selections are not sent to the partner.
What happens when you apply
SableLoans helps you understand borrowing costs. The partner handles your application and lending decision.
Read the application steps- 1
Compare the repayment
Adjust the amount and term. Look at both the monthly payment and the total cost.
- 2
Visit the provider
Get money opens a paid partner link in a new tab. Check the provider's details and actual terms.
- 3
Review the written quote
Complete any required checks with the provider. Accept an agreement only if you can afford the repayments.
Leave room for your essentials.
Rent, food, transport and existing repayments come first. A longer term can lower the monthly payment while increasing the total cost.
Questions before you borrow
All questionsWhere do I apply for a loan?
Select Get money to open the independent lending partner in a new tab. You complete any application on that provider’s website. SableLoans does not receive application documents, approve loans or pay out money.
Are the calculator amounts a loan offer?
No. The calculator uses a planning example: 3% monthly reducing-balance interest, a once-off fee of 10% capped at R250, and R30 monthly service fees. Fees include VAT. The partner’s actual amounts, rates, fees and terms may differ. Compare its written quote before agreeing.
Does using the calculator affect my credit score?
No. Calculations happen in your browser without a credit bureau check. When you apply on a provider’s website, read its information about credit checks, consent and affordability assessments.
Can I repay a loan early?
Ask your credit provider for an early-settlement statement. The amount depends on your actual agreement and settlement date. This calculator assumes scheduled monthly payments and does not calculate early settlement.
What if I cannot make a repayment?
Contact the credit provider named in your agreement as early as possible. Explain your situation and ask what options are available and what they cost. If debt is becoming unmanageable, consider an NCR-registered debt counsellor.