One repayment
ClearRand Everyday
A small, once-off expense. A single payment to plan around.
R500 – R3,0001 month
R2,000 over 1 full month → R2,305 total
Explore Everyday A clearer way to borrow
A little
breathing room.
Crystal-clear credit,
directly in your hands.
Apply online
Find your repayment plan Paid partner link · How it works
Your loan, at a glance
Let’s make it clear.
Planned pricing · Not a credit offer
Everyday · R2,000.00 · 1 month
Total to repayOne planned payment
- First payment
- R2,305.00
- Last payment
- R2,305.00
See every rand of the cost
- You receive
- R2,000.00
- Interest (3% per month)
- R60.00
- Initiation fee (incl. VAT)
- R200.00
- Service fees (incl. VAT)
- R45.00
- Insurance (not included)
- R0.00
- Together reduction (already applied)
- R0.00
- Total cost of credit
- R305.00
- VAT included in fees
- R31.96
Your repayment schedule
| Period | Principal | Interest | Fees | Payment |
|---|---|---|---|---|
| Month 1 | R2,000.00 | R60.00 | R245.00 | R2,305.00 |
Planned monthly payments, not debit dates
- Month 1PaymentR2,305.00
- Principal
- R2,000.00
- Interest
- R60.00
- Fees
- R245.00
Principal is split across periods; the last payment includes any cent adjustment.
Apply online
Paid partner link · How it works
The partner sets its own costs and eligibility. This estimate is not a partner quote.
Full-month planning estimate. Exact dates and partial months affect your final quote.
Every cost, upfront
Your decision, without pressure
Help in plain languageA plan for your month
Different needs.
The same clear approach.
Start with what you need.
Choose around what you can comfortably repay.
Monthly repayments
ClearRand Flex
A little more time, with each payment set out clearly.
R2,000 – R8,0002, 3 or 6 months
R4,000 over 3 full months → R4,775 total
Explore FlexProposed limits and pricing, subject to final approval and assessment. Both plans: 3% monthly interest on outstanding principal, 10% initiation fee and R45 per full calendar month service fee, fees including VAT. No insurance included.
Clarity comes standard
No guesswork.
Just the whole picture.
The interest rate is only one part of a loan. We bring the fees and the final total into the same conversation.
Full cost before the next step- VAT already included in the fees
- No charge to use the planner
One clear example
R2,000Everyday · one full month
- Amount you receive
- R2,000.00
- Interest
- R60.00
- Initiation fee, incl. VAT
- R200.00
- Service fee, incl. VAT
- R45.00
Total to repayR2,305.00
Proposed pricing. No insurance included.
A planning estimate, not a quote.
From wondering to understanding
A few simple steps.
No leaps of faith.
01Find your fit
Choose an amount and repayment period. Check the full cost against your budget.
02Get your details ready
Read the requirements and prepare accurate information for the official channel.
03Review before you decide
An assessment comes first. Read a formal quote and every repayment before accepting.
04Keep your plan in view
Follow the agreed schedule. If life changes, speak to your creditor early.
Before you begin18 or older. SA resident. Your own bank account. Verifiable income. An affordability assessment still applies.
See requirements
ClearRand TogetherA little thank-you
for coming back.
Our planned returning-customer benefit takes R30 off your initiation fee. No points to chase. No reason to borrow more.
Meet TogetherNot yet active. Previous loan fully repaid within 24 months; a new assessment and approval required. Reduction capped at the fee. Full rules.
R30less in initiation fees
On your side of the screen
Wherever you are,
start with a little help.
First loan, next payment, or a question you’d like answered. Find a useful next step.
New to borrowing?
Understand the essentials before you apply.
Planning a repayment?
Dates, references and paying off early.
Finding things difficult?
Practical guidance, without another application.
We’re building a clearer relationship with credit in South Africa. Get to know the principles behind ClearRand.
A little about usA little knowledge goes a long way
Good to know.
A monthly budget with room for real life.
Build a practical monthly budget around income, essentials, existing debt and irregular costs.
The interest rate is only part of the story.
Learn to compare principal, interest, initiation fees, service charges and the total cost of a loan.
Your credit record is worth understanding.
Understand the purpose of a credit record, the importance of accurate information and how to approach an error.
Let’s clear a few things up
Questions?
You’re in the right place.
Find straightforward answers here, or explore the help centre.
More answersCan I apply for a ClearRand loan now?
Direct ClearRand lending is not open. Apply online buttons link to a separate partner service. Its own terms, eligibility checks and privacy notice apply. The ClearRand planner and proposed Together benefit are not partner offers.
How much could I borrow?
Everyday is designed for R500–R3,000 with one monthly repayment. Flex is designed for R2,000–R8,000 over 2, 3 or 6 months. These are planned product limits, not a personal offer. Any future offer will depend on affordability and credit checks.
Does using the calculator affect my credit record?
No. The calculator uses only the amount, repayment period and example you choose. It does not identify you, contact a credit bureau or create an application.
What is included in the estimate?
The amount borrowed, interest, an initiation fee and monthly service fees. Applicable VAT is included in the displayed fees. No credit life insurance is included in this proposed product. Exact payment dates and partial months can change the final cost.
Will a previous loan guarantee another approval?
No. A new affordability and credit assessment is needed for every application. Repaying a previous loan does not guarantee another loan or a higher amount.
What is ClearRand Together?
Our planned returning-customer programme offers an R30 reduction in the initiation fee, capped at the fee itself. It requires a fully repaid previous ClearRand loan within 24 months and a new approved agreement. The programme is not active yet.
What if I cannot make a repayment?
Contact the creditor named in your agreement as soon as possible. Explain what has changed and what you can realistically afford. Read our payment-difficulties guide before taking on more credit.
Should I send my ID or bank statement through this website?
No. This website does not accept documents or applications. Do not send an ID, banking password, PIN or one-time password to anyone claiming to process an application here.
Your numbers. Your decision.
See what makes sense
for your month.
Apply online
Paid partner link · How it works