Personal Loan up to R 300 000.00

Apply for a Personal Loan through ATARA Finance today. Loans from R 1 000.00 to R 300 000.00 unsecured with flexible repayment terms from 12-60 months. The loan can be use for anything from medical emergency, funding you or your children’s education, buying a new vehicle or unexpected vehicle repairs. With a Personal Loan though us you can be on your way in no time. With very competitive interest rates and flexible loan terms.

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How to apply for a loan through us?

Complete our easy online application form. You will receive an instant outcome on your application and procedure to finalize for final approval and payout. With our year of experience in the loan and finance industry, we have tried to make this process as easy as possible. Give us a try today.

What is a personal loans?

Personal Loan is a unsecured loan for personal, medical, family, education, vacation or household (extension, repairs, purchase of air conditioner, computer, refrigerator, etc.) use, as opposed to business or commercial use. Unsecured loans are advanced on the basis of the borrower’s credit-history and ability to repay the loan from personal income. Repayment is usually through fixed amount and installments over a fixed term.

More information on our loan application process

Once we receive your application we do a pre-approval this determines amount, interest, period and installment you qualify for. We will then forward you the quote and you decide from there to take up our offer or not. Once an offer is received the application is 90% through. All that need to be done from this point is confirm employment and make sure all details supplied are correct. Interest rates vary from 14% – 33% dependent on your credit rating.

Were necessary for affordability reasons we will suggest a consolidation loan. This way you can combine your account into one manageable installment and still get some cash out, note this is not debt review but a loan.

Benefits of a personal loan

Easy online application were ever you are in South Africa. Competitive interest rates based on your personal profile. Flexible repayment terms from 6 – 72 months. Option to pay the loan of early if you choose to do so. Choose a access loan option, this is were you can use the money you have paid back again in future.

Why is my credit record important when applying loans?

Credit providers look at your credit report to see if you are credit worthy. Interest rates and loan amounts are based on this. Your credit score will determine if you qualify, the amount and interest rate. So it is important that you regularly access your credit profile and query any irregularities. Its important to note that there are more than one credit bureau and that not all credit providers use the same one. The main four are Experian, Transunion, Compuscan and XDS.

Qualifying criteria for personal loans

  • Be 18 years or older
  • Be employed for a minimum period of 3 months at current employer
  • Have a bank account from which a debit order can be deducted
  • Earn a minimum salary of R 4 000.00 or more
  • Have a Valid SA ID and must be a South African citizen
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