Why choose Nedbank for a home improvement loan?

Choose from over 450 approved stores

Pay back the loan from 6 to 72 months

Apply for your loan in-store, and all the paperwork will be taken care of

Call 0860 300 400 to find a Nedbank partner store near you

Use our calculator to see what works for you

See if you can afford the loan you want at our partner stores, with details on fees, interest and insurance.
How much do you want to borrow?
What’s your preferred repayment term?

  • 6
  • 12
  • 24
  • 36
  • 48
  • 60
  • 72
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How much you’ll pay back in total tooltip text


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On average, South Africans pay 18% to 24.5%. The interest rate we offer you will be based on your payment history and risk profile.

Learn more about loans

3 ways to reap the benefits of record-low repo rates

The South African Reserve Bank (SARB) has made 4 rate cuts this year, dropping the repo rate to 3,50%. The lowest it’s been since 1973.

If you must borrow, what’s the right loan for you?

Under normal circumstances, you would turn to a credit provider to finance an asset like a home or a car. But what should you do when circumstances are not normal?

Calculate the total cost of your loan

A personal loan sounds like a great way to buy today what you can only afford tomorrow. After all, why save until next year for that dishwasher, if you can buy it on special today?

Our calculation is only an example of how the interest rate and related fees can affect your repayments. Although we do our best to give you accurate calculations, they will not be binding on us. To confirm the latest interest rate or fees, please visit your nearest branch.

How our loan
process works

Step 1

Step 2

Step 3

Step 1


Visit an approved partner store

Decide how much you need to borrow.

Step 2

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Ask for a Nedbank loan

Apply for your loan at the store.

Step 3


Buy what you need

Once your loan has been approved, you get to take home your goods.

Need more options or stores?

Call 0860 300 400 to find a Nedbank partner store near you.

If you can't find what you need at our partner stores, try a personal loan instead.