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Post published:August 10, 2026
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Representative example

A R70 000 consolidation loan at an interest rate of 24.0% per annum plus a once-off initiation fee of R1 207.50, monthly admin fee of R69.00, Insurance premium of R284.83, with a repayment term of 72 months would have a total cost of approximately R155 263.57 (Including initiation fees). The maximum annual interest rate (APR) on a long-term loan in South Africa is around 28.25% p.a. Repayment terms can be as long as up to 72 months. EzyCredit is an online loan broker and is not a lender by any means. We work with NCR licensed institutions. Interest rates (APR) charged by lenders varies depending on your risk profile but can be as high as 28.25% and generally as low as 20% per annum with monthly service fees of R69. Initiation fee on credit facilities (credit cards and store cards), personal loans and short-term credit transactions are calculated as follows: R165 plus 10% of the amount in excess of R1 000, capped at a maximum fee of R1 050.

EzyCredit does not accept responsibility for any loss or damage of any nature that may be caused or brought about, directly, or indirectly, by the use of this calculator or reliance on any information contained therein. While every effort has been made to make the information as correct and relevant as possible, any figures estimated on this website are just for guidance purposes only. EzyCredit does not accept any liability for reliance placed on quoted figures in the absence of confirmation.

Since EzyCredit has no control over the information and variables entered by a website user, figures generated by the calculator shall not be binding on EzyCredit

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