We know you have dreams that are as unique as you are, we also understand that sometimes you need a little help reaching them. Iemas offers a range of personal loans, at competitive interest rates to assist you in achieving your goals. If you can dream it, Iemas can help you do it.

The different Iemas personal loan products available*:

Product Amount Repayment Term
Personal Loan Up to R200,000 Up to 72 months
Mini Loan Up to R15,000 Up to 12 months
Maxi Loan Up to R80,000 Up to 72 months
Emergency Loan Up to R6,000 Up to 12 months
Secured Personal Loan Up to R250,000 Up to 60 months
Cash Advance Up to R8,000 Up to one month

* The loan amount, interest rates and payback terms are subject to individual and payment profile assessments.

The Iemas advantage: Iemas members share in the profits

As an Iemas member, you do not simply use our products, you benefit from the profits too. Every year during November we allocate a portion of our profits to you. These member reward allocations depend on the type and number of products you used throughout the year.

An example of the member rewards payment on a personal loan is:

Financing Amount Reward % on personal loan interest paid (based on the latest reward allocations) Annual reward payment in November
R40,000 10% R 642

For your Iemas loan application, you need the following:

  • Identity Document / Certified copy of Identity Document, Passport or Identity Card
  • Three latest payslips
  • Proof of residence (Not older than 3 months)

For emergency loans a proof of reason is required. (1. Death, illness or medical condition, 2. Unexpected loss or interruption of income, 3. Catastrophic loss to property due to fire, theft and natural disaster).

Need an educational loan to take your career to the next level?

In addition to our range of affordable personal loans we also offer a GradUcare educational loan at an affordable interest rate.