Indicative finance tool

Plan the funding before you apply.

Model instalments, total repayment and the effect of fees using transparent assumptions. Results are indicative and never constitute a quotation, approval or credit decision.

Finance assumptions

Loan calculator

Enter the proposed terms. All costs are shown separately for transparent pre-application comparison.

South Africa

Funding amount (R) Term (months) Nominal annual interest rate (%) Repayment frequency Initiation fee (R) Service fee per month (R) Credit insurance / other recurring cost per month (R) Repayment structure

Important regulatory note

The National Credit Act does not apply identically to every business or juristic-person transaction. LEDA must determine applicability, prescribed maximum charges, affordability requirements and disclosures for the specific applicant and agreement before a binding quotation is issued. The calculator therefore does not hard-code a legal maximum rate or fee.

Designed for responsible lending controls

National Credit Act applicability gateTransparent cost-of-credit breakdownAffordability evidence workflowPOPIA data minimisationFIC Act CDD / beneficial ownershipHuman approval and audit trail