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What are personal loan interest rates in South Africa? The lender determines the interest rate for your personal loan. When you agree to the terms of the contract, you also agree to this set interest rate. The maximum interest rate in South Africa is per annum as per the National Credit Act Regulation. Interest …12/09/2016 · The four major banks in South Africa charge a personal loan interest rate in line with the National Credit Act, while also taking into account the personal creditworthiness of the individual applying. Standard Bank offers personal loans at the prime lending rate, which is (effective from March 2016).At a rather good interest rate of , you would pay a monthly instalment R and a total amount of R 14 232 over the period of the loan. If your interest rate was set very high, at 28%, you would pay R per month and a total of R 17 your enquiry now. R1,000 R2,000 R3,000 R5,000 R10,000 R15,000 R20,000 R30,000 R40,000 R50,000 R100,000 R150,000 R

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