Last updated: 21 August 2026 · Reviewed by the UrgentLoans.co.za editorial team
Free tools for planning a loan before you apply. Every calculator uses the National Credit Act fee caps, so the numbers reflect what South African lenders may legally charge — not marketing estimates.
Calculators
- Personal Loan Repayment Calculator — estimate your instalment for any amount and term
- Affordability Calculator — coming soon
- Total Cost of Credit Calculator — coming soon
Prefer a Table?
Our loans-by-amount page lists the legal maximum repayment for every amount from R500 to R8,000, calculated from NCA caps: 5%/month first-loan interest, initiation fee of R165 + 10% of the amount above R1,000, R60/month service fee, and 15% VAT on fees.
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