Loan Products/Personal Loan

Personal Loan

Explore flexible borrowing options with transparent terms and a simple application process.

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Overview

A flexible personal loan with competitive rates and easy repayment options. Cover an unexpected expense, consolidate a smaller debt, or fund a bigger goal, with clear monthly repayments and a straightforward path from application to decision.

Fixed repayments

Predictable monthly amounts you can plan around.

No collateral

Backed on your position, not assets you can't risk.

Fast funding

Funds typically deposited within 1–2 business days.

Early repayment

Settle ahead of time with no penalty.

Peace of mind

Trusted by thousands

The product built around transparency and real support when you need it.

Our recovery advisors supporting borrowers around a table
$1.2B+
Recovered across 30+ industries
30+
Recovery advisors
What's included

How personal loan works for you

Real features, built to reduce friction and keep repayments manageable.

One clear recovery plan

Track every milestone and repayment in one dashboard, no guessing where you stand.

Available
$2,560
Monthly trend
Next payment
$490
On track
Paid so far
$2,940

Milestone-based disbursement

Funds arrive in stages as your recovery hits real milestones, built to keep you on track.

1
Initial 30%On approval
2
Next 40%90 days later
3
Final 30%On track after 6 months
Real stories

What personal loan borrowers say

Homestar
"

The milestone disbursement gave us breathing room, the initial 30% stabilised payroll, and the rest arrived as we hit each target. No pressure to rush.

Thabo M.
Small logistics business
Homestar
"

No collateral requirement was the difference. We needed capital to restock, and offering up property wasn't realistic, Homestar funded on our trading position instead.

Lerato K.
Independent retailer
Homestar
"

The dashboard made repayment stress-free. I could see the next payment, how much I'd cleared, and exactly where I stood, transparency was built in, not bolted on.

Jason R.
Freelance contractor
Cost breakdown

What it costs over the term

A representative example on this product, for illustration only.

Sample amount
$5,500
Interest rate
12.5%
Term
12 months
Monthly repayment
$490 /mo
Total repayable
$5,879
Principal $5,500Interest $379
On $5,500 over 12 months at 12.5%, representative example, for illustration only.
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Ready to apply for a Personal Loan?

Fill out our quick application in minutes, no account required, we'll create one for you when your loan is approved.

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