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You wont know your rate until your apply for a loan. Each persons rates are different and depends on where you live, what your pay is, and how likely you are to pay back the loan. Whilst you can apply for up to R15 000, you might have a better chance of being approved with a bad credit rating for short term loans of lower amounts. Also, make sure you evaluate the interest rate of the short term loan to make sure that youre not overpaying based on your credit score – there will be a premium, but it still should be in line with what the South AFrican regulations allow. 5. Hefty late payment fees Different Credit Scores
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