How It works

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With Invest Loans, Get a loan of up to €250 000 at a fixed interest rate.

Whether you need money for unexpected expenses, a medical emergency, or to fund a specific project, Invest Loans can offer you a fixed rate personal loan according to your needs and circumstances.

How Invest Loans work

  • You can apply for any amount, from €5 000 to €250 000.
  • You can tailor your repayment term to suit your budget (from 12 months to 15 years).
  • Repayments are fixed for your full loan term, so that you can budget ahead easily.
  • Invest loans will always take your current financial circumstances into consideration and never lend you more than you can comfortably afford to repay.
  • We only accept loan applications via our website.
  • The great news is, that once you’ve successfully applied for a loan with us, we’ll make you a VIP Member, so that the next time you need a fast easy loan, most of the application work has already been done for you!

Monthly Loan Repayments

When you decide to take out a Invest Loan , our consultants will determine your interest rate and initiation fee according to your personal risk profile. Your loan repayment term can range from 12 to 180 months, and interest rate is between 2.3% and 8.12% per annum (compounded monthly).

Example of a Small Amount Loan

Let’s look at an illustrative example of a loan at an interest rate of 3.5% per annum: The loan amount is €10 000.00 and a monthly admin fee of €151,94, over 72 months. This means that the total cost of the loan will be €10939.45, which is an maximum Annual Percentage Rate (APR) of 3.76%.

Loans are subject to the National Credit Act, No 34 of 2005.
Loans from Invest Loans are administered and managed by Invest Finance, an authorised Financial Services Provider. *Invest Loans (Pty) Ltd Reg. No. 2001/016313/07, Registered Credit Provider (NCRCP895), is a joint venture between Axa Insurance Ltd and Invest finance SA (Pty) Ltd. Reg. No. 1995/06077/07.

We are in partnership with several international banks that facilitate our transactions in all countries of the world.

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