Loan Calculator

Use the calculator below as a guide to help you choose a loan that will best suit your budget. Simply select the amount and term and we’ll do the calculation instantly! ...More info

A CallDirect Personal Loan is an unsecured loan that you pay back over a repayment term of between 7 and 60 months. We don’t need any collateral and you choose the loan amount that suits you and your budget.

We offer loans from R2 000 to R50 000 (in increments of R1 000) which are deposited directly into your bank account on approval. You are, of course, completely free to use the money however you like so why not make those home renovations or pay for your child's education or even consolidate your retail accounts – the options are endless!

Our Personal Protection Plan will cover your outstanding loan balance in full in the case of death, permanent disability or certain dread diseases. You’ll also receive limited cover for retrenchment and temporary disability. Of course, you’re free to seek alternative cover as long as it offers the same protection.

Note that all loans are subject to the National Credit Act of 2005. All applications are considered and subject to credit approval by Direct Axis, an authorised Financial Services Provider.

Monthly Repayment - *
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* For illustration purposes, the repayment amount shown is calculated at an interest rate of 26.50% per annum plus an initiation fee of and a monthly service fee of
R 69.00. Also included is a monthly premium for the Personal Protection Plan of R 3.50 per thousand.
Find out now if you qualify for a loan by filling in and submitting the form below – you’ll get an immediate online decision!
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By submitting this application, I confirm that I understand and accept the terms and conditions*
Loan repayment terms range from 12 to 60 months. The maximum interest rate with regards to a Call Direct Personal Loan is 26.50% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile. An illustrative example of a loan at an interest rate of 26.50% per annum would be: Loan amount R30 000.00 plus a once-off initiation fee of R 1207.5 and a monthly admin fee of R69.00, over 60 months. The total cost of the loan will be R 60,757.62 which is an Annual Percentage Rate (APR) of 32.25%.
*Click here to view our terms and conditions