Calculator
Try our personal loan payment calculator
Loan Calculator
Calculate your estimated monthly repayment with our quick and easy loan calculator. Whether you’re managing unexpected expenses, expanding your business, or planning a special project, Advance Finance Loans gives you flexible funding from R10,000 to R5 million with a low, fixed interest rate.
Note: This calculator provides an estimate only. Your actual loan offer and repayment plan may vary depending on your credit profile and verification process. As a direct lender, Advance Finance Loans ensures a transparent and fair lending process — with no hidden fees and repayment terms that suit your lifestyle.
Once you’ve reviewed your estimate, click below to start your quick and secure application. Our team will process your request and get back to you with your personalized offer.
Apply NowWhat Our Customers Say
At Advance Finance Loans, our clients are at the heart of everything we do. Every loan we provide is more than just funding — it’s an opportunity to help South Africans achieve their goals, overcome challenges, and build a better financial future. Here’s what some of our happy clients have to say about their experience with us.
“I applied for a personal loan to cover urgent medical costs. The process was quick, professional, and transparent. I received my funds within a day — highly recommend Advance Finance Loans!”
– Thandi M., Johannesburg
“We used Advance Finance Loans to get funding for our small business expansion. The team was friendly and very efficient — no middlemen, no delays. Truly a direct lender that delivers on promises.”
– Johan P., Durban
“I appreciated how clearly everything was explained. No hidden costs, fair interest, and excellent communication throughout. I’ll definitely use Advance Finance Loans again.”
– Lerato K., Cape Town
Your feedback matters to us! Share your experience and help others make confident financial choices.
Leave a ReviewHow long does it take to repay a loan?
3 months to 84 months – The repayment period will vary depending on the amount you borrow and how much you can afford to repay each month. You can repay a loan in full at any time.
How much interest do we charge?
APR (%) ranges from 4% – The amount you are charged is dependent on how much you borrow and not on your individual circumstances. We do not charge any additional fees.
Calculate your monthly loan payment in just a few steps:
CALCULATE WHAT YOUR MONTHLY PAYMENT COULD BE. IT IS ALL BASED ON HOW MUCH MONEY YOU NEED, AND HOW MUCH TIME YOU NEED TO PAY IT BACK. AN ESTIMATED CALCULATION BASED ON AN AVERAGE ANNUAL PERCENTAGE RATE (APR). THE APR WILL BE DETERMINED BASED ON YOUR RISK SCORE AND CREDIT HISTORY. SUBJECT TO CREDIT APPROVAL. CERTAIN RESTRICTIONS APPLY.
Estimate monthly payments to find loan terms that work for you.
Loan Amount
Results are estimates, and we do not guarantee the applicability or accuracy to your specific circumstance.
All loans are subject to credit approval
Interest Rte loan 3%
Feel confident in your estimated loan terms and payments
- The amount you receive from the lender is called the "principal." Each monthly payment will include principal — the amount of borrowed money you're paying back, and interest — the amount paid to the lender.
Loan amounts and terms
- After using the personal loan calculator, applying, and acceptance of your loan, the next step is disbursement of your funds. You can tell us how you want the funds sent to you. We can send the funds directly to your creditors in the case of debt consolidation, or the funds can be deposited directly into any of your bank accounts. Money can be sent as soon as the next business day once you're approved and accept the loan.