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Loan Term (The number of months you want to repay until complete) Click “Calculate” To make the calculator easier to use we’ve given you the minimum and maximum loan amounts and number of months to repay the loan. The calculator uses the variable interest rate which is the % of the loan amount charged for borrowing can apply for a minimum loan amount of R3 000 to a maximum loan amount of R300 000. Our service fees are R69 per month for all loans and our once-off initiation fees range from up to (VAT inclusive). Our loan repayment terms range from a minimum of 12 months to a maximum of 72 to R60 000 per year (must have lease agreement)​ Textbooks and study equipment, laptops, tablets and any other course related equipment:​ Up to R20 000 (with proof of costs)​ Up to R6 000 (if no proof of costs)Standard Bank. With a Standard Bank personal loan you benefit from a quick application process, competitive interest rates, easy terms and no early termination fees.