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Product Guide: Izwe Loans

Quick Personal Loans Overview

  • Minimum Loan Amount: R1,000
  • Maximum Loan Amount: R40,000
  • Maximum Length of the Loan: 9 Months
  • Minimum Length of the Loan: 60 Months

Flexible Loans, on your terms with Izwe Loans

If you need a Loan, Izwe Loans believes it’s easier than you think. They offer various forms of personal loans ranging from R1,000 to R40,000 with loan repayment terms ranging from 9 to 60 Months.

Let’s have a look at the various personal loans from Izwe Loans and the processes involved.

Personal Loans (broken down into categories below after How it Works)

Izwe Loans offers purpose based personal loans to suit your personalized needs, with affordable monthly payments.

Whether you need funds to build or renovate your dream home, pay for your child’s education or you need to consolidate your current debt  for any unforeseen expenditure. Izwe Loans offers personal loans with terms ranging from 9 months – 60 months (5 years) and from R1 000 to R50 000.

How it Works

What do I need in order to apply for a Personal Loan?

  • Valid SA ID or driver’s licence.
  • Your most recent payslip.
  • 3 months bank statements.

Building Loans

We all have dreams of how our future home will look or have an idea in our head of how our homes can be improved. There is nothing more frustrating than having to wait to be able to afford these dreams.

Whether you have changes you are currently trying to pay off or ideas about what you will do in the future, an Izwe Loans building loan can help you with the finances needed.

Student Loans

Are you stressed about paying off your child’s school fees?  Do you need help paying for your child’s tertiary education or even registration to secure them a different future?

We are all aware that school and tertiary education comes with a high price tag. Education is vital if we want our children to succeed in life. Children need to attend school and a tertiary institution in order to grow into mature and intelligent adults. This places a lot of pressure on ourselves in everyday life to ensure our children’s future education or potential growth.

Izwe Loans’ Student Loans allow you to pay off your child’s education over a period of time that is tailor made to your personal circumstances. This can be done over as little as 9 months or as long as 60 months, depending on your financial situation.

Debt Consolidation Loans

Do you sometimes wish that you could combine all your debt under one roof? Are you tired of having a never ending list of people or companies you owe money to every month?

If you are having difficulty repaying several loans, you should consider a consolidation loan. You may be more familiar with the term “debt consolidation loans”. It allows you to take multiple outstanding debts and consolidate them into a single, more manageable loan. In other words, you will take out one new loan and use that loan to pay off all your other debts.

What does this mean?

A consolidation loan will;

  • Give you the security of a fixed-rate loan;
  • Lower your monthly payments;
  • Help you obtain a lower-interest-rate loan.

General Loan

Want to spoil yourself? Need a gift for someone special or need money for an unforeseen circumstance?

Izwe Loans gives you the freedom to spend your money however you feel fit. Whether you need the money to assist you with an unforeseen life event or even a well-deserved vacation , Izwe Loans grants you the freedom of choice to do what you want with your money.

They offer general loans ranging from R1,000 up to R50,000 and terms ranging from 9 to 60 months.

Some Background on Izwe Loans


Izwe Loans enables people to enrich their lives by providing them with ready access to useful financial solutions.

Izwe Loans (Pty) Ltd is a specialist finance company targeting the formally employed market with an unsecured term-loan offering. The company has grown into a dynamic, rapidly developing pan-African micro-finance organisation with operations in South Africa, Zambia, Ghana and Kenya.

Izwe Loans (Pty) Ltd was established in South Africa in 2004 opening its first branch in Pretoria, Gauteng. Since then, there has been a steady and managed progression of branch openings. Izwe Loans is now represented by 18 branches nationwide.

In Zambia, Ghana and Kenya, the businesses are managed by experienced local management teams, with effective central support from South Africa.

Izwe Loans operates as a registered micro-financier and makes unsecured loans which currently do not exceed R50,000 with tenors up to 60 months. Izwe Loans has disbursed over R1 billion to date to over 150,000 customers.


  • National Credit Regulator (NCR)
  • Financial Services Board (FSB)


  • National Credit Act (NCA) promulgated in June 2006
  • Long Term and Short Term Insurance Act

Investor Relations

Established in 2004, Izwe Loans is a specialist Financial Services Company offering unsecured term loans to the formally employed but under-banked market.

In just under ten years Izwe Loans has established itself as a pre-eminent Pan African Financial Services Player. Izwe Loans operates through subsidiary companies, with 18 branches in South Africa, 9 branches in Zambia, 6 in Ghana and 12 in Kenya. The Company has developed a strong agent distribution network in all the countries of operation, with particular penetration into the rural areas. To complement the agent channel, Izwe Loans commenced a digitally-based distribution business in January 2012.

Izwe Loans is managed by a team of highly experienced South African micro finance professionals from its Johannesburg head office on much the same principles as the formal banking sector. In Zambia, Ghana and Kenya, the businesses are managed by experienced local management teams, with effective central support from the South African team. Credit is provided through electronic banking channels to salaried employees with stable monthly incomes.

Through online credit scoring models and an integrated debtor management system, Izwe Loans considers itself as an industry leader in application turnaround, often achieving same day pay-out. As part of their risk mitigation in Zambia, Ghana and Kenya, Izwe Loans only takes on loans where repayment can be routed through salary deductions, significantly reducing counter-party risk.


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