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Can I Get Standard Bank Personal Loans? Interest Rates and Contact Details

About Standard Bank

Standard Bank is one of the leading financial institutions in the world, which has established in the country more than three decades ago and has been supporting South Africans since then. As a consequence, if you are looking for a program that will help you cover your personal needs, you can rely on this bank to take care of such needs.

    In this post, you will be given details about Standard Bank´s Personal Loan, together with its features and rates, so that you have all the information you need before applying for it. Moreover, you will be given information as to how it is possible to get in touch with the bank.


        If you are living on a tight budget, if you want to finance your summer holidays or if you want to buy new gear or facilities for your house, you can take advantage of a Personal Loan. This program is really helpful in order to get the funds you want, by paying fixed interest rates and making monthly payments.

Let’s take a look at the features a Personal Loan comes along with:

-You will need to pay a fixed interest rates that will not exceed a 24% each month

-You have financing periods of a year or 60 months to choose, that is up to you and your financial circumstances

-You have the chance of expanding your lending program

-There will not be changes in the fees you pay each month, so no surprises for the client

-You will receive the money directly in your bank account. So, it is needed that you open an account with Standard Bank the moment you apply for the Personal Loan.


       In order to start applying for this loan you should submit your ID, your credit score with another banking institution, a document that states your last movements and transactions with your bank account and documentation regarding your monthly expenses and your monthly income.

Needless to say, your income together with your monthly expenses play an important role at the time of deciding whether you are eligible for the loan or not, so please bear in mind the importance of those facts at the time of applying.

Calculator and examples

       In order for you to know whether you are eligible for a Personal Loan, you should use the bank´s online calculator to see your affordability. By using this tool, you will get how much money it is required to pay each month for the loan.

For instance, if you want to finance your loan in a period of a year and your income is no more than R 5000, the interest rates corresponding to this loan will be around 12%. And you will end up making 12 monthly payments of around R 900.

Take a look at another example. If you ask for a loan of about R 3000 and you want to take a year in order to finance it, you will end up making 12 monthly payments of about R 316 and the interest rates will be of 6.9%.

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So, if you are interested in applying for a Personal Loan with Standard Bank, you should first make use of the online calculator and then you can fill in the online form with your personal and financial data so as to know the funds Standard Bank can give you through their loan.

How can you contact Standard Bank?

     Let’s see the different ways through which you can get in touch with the bank in order to apply for a Personal Loan.

There are a lot of offices you are able to pay visits to. For instance, you can go to one office located in the area of Cape Town, specifically at at 2, Heerengracht Towers, Hans Strijdom Ave Ln, Cape Town City Centre. You can also call their consultants there before going in person, by dialing up +27 21 914 1822. This office functions during weekdays on business hours.

There is another physical office specifically located at 16 Main Road, Clanwilliam, 8135, Cedarberg, Western Cape, South Africa, Clanwilliam, 8135, South Africa, whose telephone number is this one:+27 27 482 2117. This office opens Mondays to Fridays to 9 in the morning to 3:30 in the afternoon. It also opens during Saturdays from 08:30 am to 11:00 am.

You will find another office if you go to the following address: Market St, Britstown, 8782, Karoo, South Africa, Britstown, 1505, South Africa, whose telephone number is

27 53 672 0008 and functions Mondays to Fridays during business hours, as it happens with most banks.


     You can also contact Standard Bank from the comfort of your computer. How? By entering the bank´s official website. Their webpage is pretty complete, as you will find tons of information about its Personal Loan and also Business Loan, Vehicle Loan and Insurances for you, your home and your vehicle.

     Finally, there is another means of communication you can make use of in order to contact the bank´s representatives: their phone. So, you can dial up 0860 123 000 if you are interested in obtaining a loan with the bank or if you have any other type of inquiry regarding its services and products. This is a telephone line that in most cases will be answered by an automatic machine and not by their consultants, since it functions 24/7 and can be collapsed. But, that means that your call will be transferred to the appropriate area so that your questions and concerns are answered in the most effective way.

      All in all, it does not matter what your need is, Standard Bank has the best solution for it. Through their Personal Loan, this banking institution is able to make you finance your vacations, your expenses or even your debts, thanks to their lending program, which is very affordable and convenient to any type of client. Stop letting money ruin your happiness and try this bank´s services, I am sure you will not be disappointed!

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Questions and answers

Is the bank open on Sundays?

No, it is not, but you can contact it via their website

Can I open a credit line online?


Can I get an insurance with this bank?

Yes, there are vehicle, home and personal insurances.

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