LENDING
Personal Loans
Finance designed around real needs, responsible affordability and clear repayment. Whether you are managing an unexpected expense, funding an important purchase or looking for structured personal finance, ROC assesses each application carefully and responsibly.
REAL PEOPLE. BRIGHTER TOMORROWS.
People
possibilities
progress.
SOUTH AFRICA
TOGETHER.
Who this is for
REAL NEEDS. REAL OPPORTUNITIES.
Personal
Education
Emergency
costs
Household
needs
Short-term
cash-flow
Planned
purchases
Basic eligibility
- 18 years or older
- Valid South African ID or accepted identification
- Verifiable income
- Active bank account
- Required supporting documents
- Meets affordability and credit assessment requirements
What you may need
- South African ID
- Proof of income
- Recent bank statements
- Proof of address
- Other supporting documents where applicable
How it works
A CLEAR PROCESS. A FAIRER TOMORROW.
- 1
Tell us what you need
Select your amount, purpose and preferred repayment period.
- 2
We assess affordability
ROC considers income, expenses, existing obligations and credit information.
- 3
Submit supporting documents
Upload the required documents so your application can be reviewed.
- 4
Receive an outcome
ROC may approve, decline, request more information or propose different terms.
Representative illustration
ILLUSTRATIVE EXAMPLE ONLY
- Loan amount
- R5,000
- Illustrative term
- 30 days
- Pricing
- subject to affordability, risk and applicable fees
- Estimated total repayment
- provided after assessment
This is an illustrative example only. Actual terms, fees and the total repayment amount will be provided after a full assessment of your application.
Frequently asked questions
Timing depends on the completeness of your application and ROC’s assessment requirements. ROC will keep you informed if more information is needed.
ROC may consider relevant credit information as part of a responsible affordability and risk assessment, subject to applicable requirements and your consent.
Early repayment options depend on the terms of an approved agreement. Your final offer will explain the repayment conditions that apply.
A declined application does not create an obligation to proceed. Where appropriate, ROC may explain whether further information or a later application can be considered.
ROC may pause the assessment and request the missing documents. A complete submission helps the assessment proceed without avoidable delay.
You may enquire, but any application remains subject to a full affordability and credit assessment that considers your existing obligations.
Ready to see whether you qualify?
Complete a quick eligibility check before starting your application.
OPPORTUNITY
LIVES HERE
FOR A BRIGHTER
SOUTH AFRICA