Find an answer

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.

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.

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.

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.

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.

A provider may request a South African ID, proof of income, your existing financial commitments and a bank account in your own name. Requirements vary. Only submit documents after checking the provider’s identity, privacy notice and secure application address.

A partner-link click can be counted by domain, offer and button position. We do not send your name, application details, calculator choices, IP address or browser headers to our statistics service. There is no pageview tracker. You can turn click counting off in the privacy notice.

For an application, decision, payment or repayment, contact the provider whose website you used and whose name appears on your agreement. For a SableLoans website question, use support@sableloans.co.za or +27 11 884 9340.