DirectAxis Personal Loan

Fixed-rate personal loans up to R350,000 from DirectAxis (FirstRand), with over 20 years of lending experience in South Africa.

Last checked on May 13, 2026. We may earn a commission when you click through.

DirectAxis offers straightforward personal loans with fixed rates but can be expensive for some borrowers.

✓ Fixed interest rates provide repayment certainty ✓ Quick application and approval process ✓ Loan amounts up to R350,000 available

Personal Reviewed

DirectAxis Personal Loan

Updated 3 days ago

APR	Amount	Term	Requirements	Decision
15.0–27.75%	—	—	—	—

Requirements

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Decision

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Our Verdict

DirectAxis offers straightforward personal loans with fixed rates but can be expensive for some borrowers.

Best For

These loans are best for individuals needing larger amounts, with terms up to R350,000 and flexible repayment options.

Watch Out

The high APR range of 15.0% to 27.75% may not be ideal for those with lower credit scores.

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About this loan

DirectAxis offers competitive personal loans tailored for South Africans. However, potential borrowers should carefully consider their financial situation before committing.

What Customers Say

User feedback highlights the straightforward application process but notes concerns about high interest rates.

Expert Analysis

If you're looking for a personal loan up to R350,000, DirectAxis provides a secure online application process. The fixed-rate feature means your repayments remain consistent throughout the loan term, which can last from 24 to 72 months. Approval is typically swift, with funds potentially in your account within 48 hours.

However, the APR ranges from 15.0% to 27.75%, which can be steep. This could result in high interest costs over time, especially for those who might need to borrow at the upper limit of this range. For instance, borrowing R100,000 at a 25% APR could cost you about R2,000 monthly.

DirectAxis's customer service is accessible, operating from 8 am to 8 pm daily. Yet, be prepared for potential delays if your documentation is not in order. Applicants should possess a good credit record and a minimum monthly income of R5,000, which may exclude those with lower earnings or credit issues. If you're considering alternatives, companies like Nedbank and ABSA offer competitive rates but might have different eligibility criteria.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.