Up to R30 off
A proposed reduction in the initiation fee on a qualifying new agreement.
Tools for your month
A budget worksheet and a clear checklist, available without borrowing.
No points to chase
No levels, paid membership or targets for how much you borrow.
The same loan. R30 less in fees.
A R2,000, one-full-month returning-customer example, using proposed prices.
| Cost | Without benefit | With Together |
|---|---|---|
| Amount received | R2,000.00 | R2,000.00 |
| Interest (3% for the month) | R60.00 | R60.00 |
| Initiation fee, incl. VAT | R200.00 | R170.00 |
| Service fee, incl. VAT | R45.00 | R45.00 |
| Total to repay | R2,305.00 | R2,275.00 |
Ordinary returning-customer price compared with Together
Amount received
- Without benefit
- R2,000.00
- With Together
- R2,000.00
Interest (3% for the month)
- Without benefit
- R60.00
- With Together
- R60.00
Initiation fee, incl. VAT
- Without benefit
- R200.00
- With Together
- R170.00
Service fee, incl. VAT
- Without benefit
- R45.00
- With Together
- R45.00
Total to repay
- Without benefit
- R2,305.00
- With Together
- R2,275.00
No insurance in either example. Fresh assessment required. Previous ClearRand loan fully repaid within 24 months; reduction capped at the initiation fee. Not yet active. Read all conditions.
Who the planned benefit is for
Adults who have fully repaid at least one ClearRand loan within the previous 24 months may qualify when a new loan is approved. Eligibility would be verified in the official application process and shown in the quotation.
There is no fee to participate, separate account or paid subscription. The programme is not open yet. The proposed operator is ClearRand Financial Services (Pty) Ltd. The start date will be published with the final rules.
Practical help, available to everyone
The monthly budget planner and returning-customer checklist are available now, without a loan. Future support questions about Together will use the official contact channel. We do not promise priority queues or faster approvals.
How the benefit would be checked
- Only return if a new loan fits your needs and budget.
- Ask the official application channel to check your previous loan’s closure date.
- Complete a fresh affordability and credit assessment.
- Look for the R30 reduction, or the smaller eligible fee, in your quotation before accepting.
The important limits
The fee cannot fall below zero. Unused value is not cash and cannot be transferred or carried forward. One voluntary discount applies; where offers overlap, the applicable better benefit would be used under the final rules. Reducing the requested amount or repaying early does not by itself remove a benefit already in an agreement.
If you are declined, no credit or cash benefit is issued. Help remains available. Read the full proposed rules.
A few Together questions
Will a previous loan guarantee another approval?
No. A new affordability and credit assessment is needed for every application. Repaying a previous loan does not guarantee another loan or a higher amount.
What is ClearRand Together?
Our planned returning-customer programme offers an R30 reduction in the initiation fee, capped at the fee itself. It requires a fully repaid previous ClearRand loan within 24 months and a new approved agreement. The programme is not active yet.
What if I cannot make a repayment?
Contact the creditor named in your agreement as soon as possible. Explain what has changed and what you can realistically afford. Read our payment-difficulties guide before taking on more credit.