Apply for a Bravo Finance Personal Loan from R10 000 up to R500 000, with rates from as low as 5.18%*

-Apply for your loan over a term of anywhere between 1 and 15 years.

-A guaranteed fixed interest rate means your monthly repayment will never change.

-Ensure your financial security for you and your family in the event that you are unable to pay your loan due to unforeseen circumstances.

Why apply for a personal loan with Bravo Finance?

• It is secure and straightforward to complete your loan application online.
• Your repayments are fixed at our current interest rate for the full term of your loan. They never go up – no matter how much interest rates do.
• Repayments are over a term from 12 months up to 6 years.
• Feedback is given quickly and your money could be in your bank account within 48 hours. 

How to apply for a loan?

Apply via our online form, call the Bravo Finance call centre at 0875108850 Monday to Sunday, 8am – 8pm.

What will you need to apply for a loan?

• A good credit record
• A regular monthly income of at least R5 000
• The details of your bank account into which your salary is paid

What documents do you need when you apply for a loan?

• A clear copy of your South African ID
• A recent document confirming your residential address
• Up to 3 months’ recent bank-generated PDF statements or payslips as proof of income

We’ve made applying for personal loans online quick and streamlined. It is also easy for you to upload any documents via our online application.

What can I use my personal loan for?

A Bravo Finance personal loan is paid directly into your bank account and the money can be used for any needs you may have. Whether you’re looking to do home renovations, upgrade your electronics or take a break overseas, a personal loan offers a flexible solution.

What do you get with a Bravo Finance Personal Loan?

When you take out a loan with Bravo Finance you’ll deal with an authorised Financial Services Provider, with many years of financial services experience in South Africa. We support responsible lending, so if your application is approved, you’ll only be approved for an amount that you can afford comfortably. We’ll do our utmost to give you the best offer that we possibly can.

Because Bravo Finance Personal Loans are unsecured this means that we won’t ask you to use your car, home or any other asset as collateral. To apply for a loan is quick and you can also use your loan for anything you want

For your security and peace of mind, all our loans are subject to the National Credit Act of 2005. Keep in mind, we consider all loan applications and every application is subject to credit approval.

Your loan will include a Personal Protection Plan, which settles your outstanding balance in the event of your death or permanent disability. This plan also offers some cover for temporary disability and retrenchment – and the level of your cover will be based on your risk profile. You can substitute the Personal Protection Plan with a policy of your choice, provided the cover offered is equivalent.

Bravo Finance administers loans for FirstRand Bank Limited, an authorised Financial Services and Credit Provider, and has been providing loans to South Africans for over 10 years.

Loan repayment terms range from a minimum of 12 to a maximum of 120 months. The maximum interest rate with regards to a Bravo Finance Personal Loan is 5.0% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile. An illustrative example of a R50 000 loan at an interest rate of 5.18% per annum plus a once-off initiation fee (added to the loan amount) over 72 months would have a total cost of R57,977.76.

Service benefits

Our personal loan is secured, tailored to suit your personal needs

• Quick Disbursal
• Fewer Documents
• Minimal paperwork
• No Collateral Needed
• Pocket-friendly repayment
• Attractive Interest Rates
• Online EMI Calculator
• Tax Benefits