Initial conversation
Tell us what the funds are for, the amount you are considering and your preferred repayment range.
Personal Loans
Responsible lending, considered around your circumstances
Speak to a team that values affordability, transparency and informed decisions.
Professional guidance
Financial support that starts with affordability
Unexpected expenses and important life plans can create a need for additional financial support. We help you understand the options available based on your income, affordability and credit profile.
Every application is subject to assessment, applicable lending requirements and the terms of the relevant product provider. You should understand the total cost and monthly impact before accepting an offer.
What to expect
How a personal-loan enquiry works
We keep every stage clear, practical and easy to understand.
Affordability assessment
Income, expenses, existing commitments and credit information are assessed as required.
Quotation and explanation
If an option is available, the instalment, interest, fees and total repayment are explained before acceptance.
Decision and next steps
A final decision remains subject to approval, verification and the product provider’s applicable terms.
Prepare with confidence
Is this relevant to you and what should you prepare?
Your first conversation is easier when you know the common situations and information involved.
A personal loan may be considered when you have
- A specific and necessary personal expense
- A stable and verifiable source of income
- Enough room in your budget for the full instalment
- A clear understanding of the total repayment cost
- Considered lower-cost alternatives where available
Documents commonly requested
Requirements can differ by lender and employment type.
- South African ID or valid identification
- Recent proof of residential address
- Recent payslips or proof of income
- Recent 3 months bank statement
- Employment and workplace contact details
- Any additional verification requested during assessment
The bigger picture
Contact our team
Make an informed borrowing decision
The right finance should be affordable and clearly understood. We help you consider the full monthly impact and total repayment cost before moving forward.
Questions, answered
What people ask about Personal Loans
These answers provide a useful starting point. Your circumstances and the applicable product or process may differ.
Ask us a questionNo. Every application is subject to affordability checks, credit assessment, document verification and the applicable provider’s approval criteria.
The available amount depends on verified income, expenses, current debt commitments, credit information and product limits. Request only what you reasonably need and can afford.
Review the interest rate, initiation fee, monthly service fee, credit-life cost where applicable, instalment amount and total repayment shown in the quotation.
A formal application may involve a credit enquiry. The provider should obtain the required consent and explain the assessment process.
Speak to IY Finance Solutions
Want to discuss responsible loan options?
Contact us for an affordability-focused conversation and clear next steps.