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 has a range of affordable loan options, at competitive interest rates to assist you in achieving your goals. If you can dream it, an Iemas loan can help you do it. If you are employed at an employer that has a contractual agreement with Iemas you have access to the range of personal loan options below:
The different loan products available*:
|Personal Loan||Up to R80,000||Up to 60 months|
|Mini Loan||Up to R15,000||Up to 12 months|
|Maxi Loan||Up to R80,000||Up to 60 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|
To apply for a personal loan 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.