ClearRand Everyday
A small, once-off expense. A single payment to plan around.
R2,000 over 1 full month → R2,305 total
Explore Everyday
ClearRand Flex
A little more time, with each payment set out clearly.
R4,000 over 3 full months → R4,775 total
Explore FlexProposed limits and pricing, subject to final approval and assessment. Both plans: 3% monthly interest on outstanding principal, 10% initiation fee and R45 per full calendar month service fee, fees including VAT. No insurance included.
Choose the repayment pattern, not just the amount.
Everyday is designed for a small, once-off expense you can cover with one repayment. Flex spreads the principal over several monthly repayments. A longer term can make individual payments smaller, but increases the total service fees and interest you pay.
Both are unsecured personal borrowing plans. They are not revolving credit, a business loan or debt consolidation. The amount selected is the amount intended to reach your own bank account; the proposed fees are not deducted from that amount.
When a loan may not fit
If your regular income is already committed to rent, food, transport and existing debt, another repayment may make things harder. A recurring shortfall usually needs a budget change or support rather than another short-term loan.
Our payment-difficulties guide and monthly budget planner are available without an application.
Before an application
The planned criteria are age 18 or older, South African residence, a valid South African identity document, a bank account in your own name and regular, verifiable income. Meeting these criteria would not guarantee approval. A credit and affordability assessment would still apply.
ClearRand is preparing for launch. Product limits, pricing and operational criteria require final approval before applications open.