Updated 23.02.2023

Clientele Personal Loans

Clientele is a renowned distributor of financial products and services in South Africa. They’ve been in business for more than 20 years. They’re also publicly listed on the Johannesburg Stock Exchange (JSE).

Clientele personal loans feature an approval process that’s quick and convenient. They’re also transparent in their terms and conditions in lending money.

The company performs a credit check on their applicants to make sure they can pay the loan on time. They will never approve a loan request that a client can’t pay.

Clientele personal loans are handled by the Direct Axis group, which is another known provider of personal loans in South Africa.

Clientele SA Official Website

Getting Your Loan

Clientele personal loans offer R5 000 to R150 000 of loanable money. Repayment terms range from 1 to 5 years.

To apply for a Clientele loan, simply fill out the form provided on their website. You may also contact them by phone or have them call you back if you’re too busy with other activities.

It will only take 48 hours to get your personal loan application approved. The borrowed money will then be deposited in the bank account you provided on the application form.

Interest & Fees

The maximum APR they can impose is 27.75% which is compounded monthly until the end of the repayment period. Initiation fees and interest rates vary according to your credit risk.

Here’s a sample computation of what their loan offer looks like:

Say, you have loaned an amount of R40 000 to be repaid over 60 months. You’ll have to pay a one-off initiation fee amounting to R1 197. Every month you also have to pay the admin fee of R68.40. Accounting for the interest, the total amount you’ll repay is R80 693.77 over the course of 5 years.

You can tinker with the loan calculator they have on their website to gauge the amount you need to repay according to set specifics.

Repayment Schedule

Repayment happens within a span of 12 to 60 months, depending on your preference. The monthly repayment is automatically debited from the bank account you provided. The first repayment is due 14 days after the loan is delivered.

Early repayments are welcomed by the company. On the other hand, delays in payment may incur additional charges.

Failure to repay the debt as stated in the loan contract may result in a default. Legal charges may also be applied, depending on the gravity of the situation.


All the requirements needed to get a Clientele loan are provided on their website.

Clientele personal loans are not given to people who are:

  • Over-indebted
  • Facing a financial crisis
  • Mentally unfit as deemed by the court
  • Undergoing sequestration
  • Unpermitted by spouse (customary or based on tribal law) to undergo a loan transaction

Take note of these cases to make sure you’re not wasting your time applying for a loan.

Contact Details

They have separate numbers for customer inquiries and loan application. Take note of the following numbers:

Customer care: 0861 25 35 55

Loan application: 0861 35 53 55

You can find their office at the following address:

Office address: Clientèle Office Park, Corner Rivonia and Alon Road, Morningside, 2196

If you’re not sure what to ask them or how to proceed with your request, you can have them call you back using the callback request form available on their website.