Rating based on 43 reviews

Lifestyle Personal Finance

  • Short-term loans up to R15,000
  • Low-interest starting from 23%
  • Repayment up to 12 months

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Lifestyle Personal Finance homepage
Author Lifestyle Personal Finance. Screenshot of Lifestyle Personal Finance website.
[Accessed January 19, 2023]

About Lifestyle Personal Finance

Their services and products are designed to meet the credit needs of South Africans quickly and at a good rate.

They offer short-term loans that can be used for a range of needs including paying bills, purchasing appliances, and travelling.

They're here to help you

With a range of quick loan products Lifestyle, Personal Finance can be trusted to get you the money you need quickly and with no hassle. Their staff are well trained and here to assist you with your every need - be it help with your application or help with your loan repayments.

Lifestyle Personal Finance Services

Lifestyle Personal Finance is an authorised agent of First National Bank and is able to provide low-rate personal loans to people who are not FNB customers.

Their loans are superior to other alternative credit providers since their rates are lower, their loan amounts are higher and their loan terms are more flexible.

Their microloan products

Their Micro loan acts as short-term loans and range from R1 000 to R15 000 and can be obtained by anyone who is a holder of a South African ID, is employed full time, and is over the age of 18. Their loan terms range from 30 days to 12 months although, they also offer longer loan terms for other credit products.

Lifestyle Personal Finance – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 23%
  • Loan Amount up to R15,000
  • Repayment 30 days to 12 months
  • Decision 24 hours

Benefits of Lifestyle Personal Finance

  • Short-term loans up to R15 000
  • Repayment up to 12 months
  • Low-interest starting from 23%

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

If a quick short-term loan is what you need, apply with them today

Although their short-term cash loans are highly versatile and can be used for anything from paying bills to going on holiday they do not recommend that customers use them to consolidate debt as the terms are too short.

They also offer debt consolidation loans and you can contact them to inquire about this product.

Signing your loan agreement

Once they've sent you your loan agreement form it is your responsibility to read through the details provided therein, ensure your personal details are accurate, and verify that you understand the terms and conditions.

You should also ensure that you understand the costs and repayment schedule of your short-term loan. Once you've signed the agreement and returned it to them they will credit your account within the hour.

Can you apply for more than one short-term loan?

Applying for two loans at the same time will depend on how well you pay your current credit plans. If your credit profile is in good condition, getting two loans won’t prove to be a problem. The only issue will be if you struggle to pay your existing expenses.

At the end of the day, the customer must always ensure that they don’t find themselves in financial situations that will make it difficult for them to live the life they were living before. Lifestyle Personal Finance will never give you a loan that will be too costly for you to afford.

Finding a short-term loan that works for your budget

In everything they do, they put you in mind. When they ask for your remuneration details, they are doing this so you never struggle with paying for your credit plan or run the risk of skipping your instalment or paying it late. The customer should always ensure that he meets his financial obligations. This is the only way to ensure that your credit profile is always in good standing and will remain that way. At the end of the day, that is the goal.

man holding thumbs up

Lifestyle Personal Finance is a trusted & reliable provider of short-term loans

In our review, Lifestyle Personal Finance adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Lifestyle Personal Finance is a registered credit provider in South Africa: NCRCP 2466

Customer Reviews & Testimonials

October 2018

Getting a short term loan from Lifestyle Personal Finance was one of the best decisions I’ve ever done for my budget.

Ernest Y
— Port Shepstone —

November 2018

I finally got a short term loan I can afford to pay off on a monthly basis.

Elizabeth R
— Springs —

January 2019

The entire short term loan application process was easy and convenient.

Babalwa M
— Khayelitsha —

March 2019

If you are looking for a credit provider with affordable short term loans, Lifestyle Finance is your go-to financial services provider.

Maxime N
— Brakpan —

Lifestyle Personal Finance Contact

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