Investec Personal Loans South Africa 2025
Premium personal loans, asset-based lending, and private banking credit solutions from Investec. Competitive rates from Prime-2% with tailored solutions for discerning clients.
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Loan Summary
Note: Investec offers preferential rates based on your banking relationship and creditworthiness. Contact your relationship manager for personalized rates.
Investec Loan Products
Personal Loan
Loan Amount
R10,000 - R500,000
Interest Rate
12% - 22%
Loan Term
12 - 72 months
Best For
Home improvements, luxury purchases, education funding
Key Features
- Premium unsecured lending
- Competitive interest rates
- Flexible repayment terms
- Relationship-based pricing
- No early settlement penalties
Eligibility Requirements
- Minimum income R15,000 per month
- South African citizen or permanent resident
- Age 21-65 years
- Good credit record
- Banking relationship preferred
Ready to Apply?
Contact your Investec relationship manager to discuss your personal loan requirements and get preferential rates.
Application Process
Initial Consultation
Schedule a consultation with your Investec relationship manager
Application Submission
Complete the comprehensive application with supporting documents
Credit Assessment
Detailed credit and affordability assessment by specialist team
Loan Structuring
Customize loan terms and structure based on your needs
Final Approval
Final approval and loan documentation preparation
Why Choose Investec?
Premium Service
Dedicated relationship managers and personalized service tailored to your unique financial needs and goals.
Competitive Rates
Access to preferential interest rates and terms based on your banking relationship and creditworthiness.
Flexible Solutions
Customized loan structures and repayment options designed to meet your specific financial circumstances.
Frequently Asked Questions
What is the minimum income requirement for Investec loans?
Investec requires a minimum monthly income of R15,000 for personal loans. Private Banking and asset-based lending have higher requirements based on investable assets and net worth.
How does asset-based lending work?
Asset-based lending allows you to borrow against your investment portfolio while maintaining exposure to market growth. Interest rates are typically lower as the loan is secured against your assets.
Do I need to be an existing Investec client?
While existing clients may receive preferential rates, Investec considers applications from new clients who meet the income and credit requirements. A banking relationship is beneficial but not always required.
What are the professional loan benefits?
Professionals with recognized qualifications (doctors, lawyers, engineers, etc.) may qualify for preferential rates, higher loan amounts, and tailored repayment structures.
How long does the approval process take?
The approval process typically takes 5-10 business days, depending on the complexity of your application and loan structure. Simple personal loans may be approved faster.
Important Information
Premium Banking
- • Relationship-based pricing and terms
- • Dedicated relationship management
- • Comprehensive wealth management solutions
- • Access to exclusive investment opportunities
Contact Information
- • Website: investec.com
- • Phone: 0860 INVESTEC
- • Private Banking: 011 286 7000
- • FSP License: 40813
Disclaimer: Investec Bank Limited is an authorised financial services provider (FSP 40813) and registered credit provider (NCRCP9). Terms and conditions apply. Interest rates are subject to change.