Get a cash loan of R4k up to R250k if you have a clear credit record

Get a Personal Loan | Easy, Quick Online Applications

Do you need a loan to cover life’s unexpected expenses? Perhaps you need to pay school fees upfront. Or need cash for home renovations. Or need to fund a promising side-hustle. Whatever you need the cash for, we can offer personal loans of up to R250 000 for qualifying applicants. 

Discover financial opportunities with our personal finance options – apply for a quick loan to be in line to win R1000. Competition runs every 60 days.

We collaborate with a diverse panel of lenders to facilitate your search for a suitable loan. Utilize our free online service to connect with our extensive network and streamline your application process.

Our innovative personal lending process unfolds in two simple steps.

First, complete our application form for an in-house credit check to assess your eligibility within our network.

Then, if you pass our pre-vetting, you may proceed to a link, providing access to over 10 lenders, including major banks and private lenders.

Exclusive to those who haven’t applied within the last 60 days, this opportunity ensures a tailored list of potential lenders. Select the offer that aligns with your needs and finalize your application online for a prompt payout.

New Heights Finance is your partner in securing personal funds ranging from R4000 to R250,000.


Loan Conditions:

Minimum Term – 65 days

Maximum Term – 90 days

Minimum APR  – 27.5 %

Maximum APR – 27.5 %


Loan Advance – R 50 000

APR – 27.5 %

Initiation Fee – R 1000

90 Service Fee – R

90 Day Interest

Total Repayment

UP TO R250K 

The funds are paid out directly into your bank account for added convenience.


Choose a repayment term that works for you, between 7 months and 72 months.


No nasty surprises! Budget accordingly with fixed monthly payments for your chosen repayment period.

Some important loan conditions to take note of are as follows:

  • Please only apply if you have a 100 % clear credit record
  • No credit bureau listings.
  • Only 100% clear credit record.  Consent to credit check.
  • Minimum age of 18.
  • Maximum age is 65.
  • Must have permanent source of income  –  minimum R3 000 per month.

FICA Documents You Will Need: 

  • Proof of income via a recent payslip 
  • 3 months banks statements reflecting the payment of 3 salaries (no older than 3 months old)
  • Copy of your ID 
  • Proof of address no older than 3 months

Loans are subject to the National Credit Act No.34 of 2005. All loan applications are considered and are subject to credit approval. The interest rate APR with regards to a Personal Loan varies between 15%** and 24.50%** per annum (compounded monthly). All loans include a once-off initiation fee of up to R 1 197** and a monthly service fee of R69.00**. Your rate and initiation fee will be determined according to your personal risk profile. For illustration purposes, the figures in this table are calculated at an interest rate of 28% per annum. The repayments indicated also include a monthly premium for the life insurance of between 5.04% and 5.4%. ** Rates and fees are current as at November 2022 and are subject to change at the discretion of the lender.


How Our Personal Loans Work



There are two options to choose from when selecting how you’d like to be paid out:

Bank Account: Loans are paid directly into your bank account or into the bank account of a third party in the case of a settlement.

Credit Card: A credit limit is set once the loan is activated


First Payment: The first loan instalment is due within 7 days of the loan being paid to you.

Future instalments are due on the 1st day of every month or as close to the date you get paid a salary as possible. 


Choose the repayment options that best suits you:

  • Debit order
  • EFT
  • Stop order
  • Payroll deduction
  • Cash payments
  • Mobile Payments 
  • EasyPay


Your settlement amount will always be different from the outstanding amount reflected on your account statement because it includes interest and charges payable up to and including the settlement date.

Apply for a personal loan