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Product Guide: Clientele

Quick Personal Loan Overview

  • Minimum Loan Amount: R3,000
  • Maximum Loan Amount: R120,000
  • Length of the Loan: 18 Months
  • Repayment Length of the Loan: 60 Months

Get a Personal Loan of up to R120,000 within 48 hours with Clientèle

When getting a loan with Clientèle:

  • You can apply for any amount from R3 000 to R120 000 in increments of R1 000.
  • You have 18 to 60 months to repay the loan.
  • If you are approved, you can use your loan however you like – school fees, much-needed car repairs, renovations, account consolidation and more!

Enjoy Fixed Interest Rates:

  • The interest on the personal loan will be fixed at the current Clientèle rate for the full term of the loan period.
  • With no fluctuations in the interest rate, the monthly instalment is always the same, allowing you to plan ahead.

Quick and Easy Loan Application:

  • No face-to-face interviews needed.
  • The loan is unsecured.
  • Paid by direct deposit into your bank account.
  • If approved, the loan will be finalised in 48 hours.

To Qualify for a Personal Loan you must:

  • Be 18 years or older.
  • Be a South African resident.
  • Earn a minimum permanent salary of R2 500 per month or more (proof of income will be required).
  • Clear credit references.
  • When applying, have your ID number and your bank account details where your salary is paid into at hand.

Peace Of Mind – The Personal Protection Plan

Clientèle Loans cares about your financial wellbeing, so they have included the Personal Protection Plan which enables your outstanding loan balance to be settled in the event of your death, permanent disability or if you contract a dreaded disease.

A temporary disability and retrenchment will qualify you for limited cover where your premiums are covered for up to six months. The choice of any other Personal Protection Plan is yours, but it must have coverage equivalent to the Clientèle Protection Plan.

Your personal loan is arranged exclusively for you through Clientèle Loans Direct and Direct Axis, established authorised Financial Services Providers in South Africa. Lending responsibly are their goals and are done in compliance with the National Credit Act No.34 of 2005.

All requests are considered, but the final loan amount allowed will be subject to your personal financial profile and credit approval. This is to stop you over committing yourself to a loan that you cannot repay.

Some Background on Clientèle

The Clientèle Limited Group is a diversified financial services group, listed on the Johannesburg Stock Exchange and is one of South Africa’s leading direct distributors of financial service products. Over the past 20 years, it has been successful in offering convenient and easy to understand financial services products to the public through various direct marketing and sales distribution channels.

Clientèle Limited’s business model and the execution thereof has resulted in Clientèle Life becoming the fastest growing Life Office in South Africa in relative terms. This model has provided shareholders with sustained growth and returns on their investments with Return on Shareholder Equity consistently exceeding 50%. Clientèle has also consistently been rated in the top 50 companies for sustainable growth and return on shareholder interests on the JSE.

Why Clientèle

  • Credibility: They have been providing South Africans with affordable insurance products for over 20 years.
  • Innovation: They are the first direct marketer of life insurance products in South Africa.
  • Reputation: They are a respected and trusted name in insurance.
  • Customer service: Their service centres assures you of friendly and efficient service and assistance with your insurance needs.
  • Simplicity: They keep things as simple and easy as possible and make buying insurance clear and simple.
  • Valuable products: They have cultivated an understanding of the needs for financial protection and investment for South Africans from all walks of life. These needs are well provided for in their comprehensive yet uncomplicated range of products, which include life, dreaded diseases, hospitalisation, investment and legal-related products.


To be South Africa’s most reliable and valued financial services partner.


Safeguarding your world with compassion.


  • Respect: Treating colleagues, clients and other stakeholders with respect, courtesy and fairness.
  • Customer Excellence: Connecting with their clients in a professional, ethical and focused manner.
  • Passion: Approaching every task with determination, energy and commitment.
  • Integrity: Adhering to high moral standards and being honest in all that they do.
  • Teamwork: Working effectively with others, utilizing individual and combined strengths to succeed.


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Fincheck is a financial comparisons website that organises information to assist the borrower in making their best financial decision.

Fincheck gathers information from numerous banking partners and presents it to the borrower in a simple, understandable way. Lenders benefit from an additional market place and extensive customer reach. Loan amounts vary from lender to lender. Fees, interest rates, loan amounts and credit scores influence the repayment terms. Lenders require personal details to control their risk and assist the government to combat theft, money laundering, terrorism. Fincheck does not endorse any particular product or company. We are an independent company. The information shown and provided is an opinion, based on numbers and must not be seen as advice or consultation.