Bayport Personal Loans, Debt Consolidation & Financial Wellness
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COVID-19 Notice: Bayport’s services are still accessible. Bayport encourages you to process all your Bayport requirements online. You can apply, get updates and view statements via our online portal. Please register and login. You can also use our WhatsApp self service portal by sending a message to 087 240 5555. For more information click here

Get a Personal Loan of up
to R250 000

How much money do you need?
How many months do you need to pay off personal your loan
Your monthly repayment
Please note all amounts shown above are indicative costs only. Interest rate dependent on risk profile.

Employee Wellness
Programme is
now live!

Click here to explore
Get a Personal Loan
Get a Personal Loan of up to R250,000

It is easy to apply for a Bayport personal loan of up to R250,000 with our simple online loan
application process and personalised service.Once you have registered, all it takes is a minute, to
find out if you qualify for a Bayport personal loan.
Our application process allows you to also upload all documents required to complete your

Apply for a personal loan in 5 easy steps


Step 1: Register and activate your free myBayport account

You will need to provide us with your contact details and create a password for your myBayport account. You will then receive an email to activate your account – once received, click the ‘activate account’ button and proceed to login.

Next step

Step 2: Login and apply

Once you login, you can start your online loan application by telling us a bit more about yourself, such as your income and expenditure details, your employment information and banking details. For faster response, please have your documents (listed below) ready for uploading.

Next step

Step 3: Affordability assessment

After you have upload your documents and have submitted your application, we verify the information provided with the credit bureau. We then check how much you qualify for based on your affordability.

Next step

Step 4: Sign your contract online

Once we grant you a loan offer, you will need to login and accept your loan offer and the terms and conditions online. We will email you a copy of your terms and conditions.

Next step

Step 5: Receive your personal loan

We disburse our personal loans in real-time, meaning, as soon as you accept your offer and your application passes final assessment, we will pay your funds into your bank account.

Representative example of a R100,000 loan repaid over 72 months

(including interest, fees and insurance*)
Credit AdvancedTerm of LoanMonthly Insurance PremiumMonthly Service FeeTotal Installment
20%R100,00072 MonthsR455.00R68.00R2,948.00

*The amount of the total installment will remain unchanged throughout the term of the agreement
**Risk Profile Dependent

You will need these documents when
applying for your personal loan
  • South African ID
  • Proof of residence not older than 3 months
  • Latest payslip
  • Last 3 months’ bank statements
Continue your application where you
left off
  • Upload your documents when you have them, anytime.
  • We will hold onto your application details in the section where you left off - No need to start over!

Why choose Bayport for your Personal loan

Personal Loan

Get a personal loan from R1000 up to
R250 000 with flexible repayment terms

Debt Consolidation

Settle your other loans
when you apply for a
personal loan and
have one account to manage

Nationwide Footprint

Our footprint in South
Africa covers all
provinces and all
popular mediums of

Third largest unsecured lender
Third largest
unsecured lender

Third largest short-
term lender in South

Bayport customer benefit

As a Bayport customer, we want to make your journey with us a convenient and simple one
Here are some of the benefits that our customers enjoy:

Online statements and payments
Free 24/7 Access to Online Statements

Easy access online statements and make secure payments

Mobile app 24-7 self-service
24/7 self-service on our Mobile app

Dedicated and professional support via our Mobile App, Website or WhatsApp.

Credit healt report
Get a FREE Credit
Health Report

Get access to a free credit credit health report each month

Your loan is insured
Your loan is

Your personal loan is insured in the event of death, disability or retrenchment.

  • Bayport offers personal loans from R1 000 to R250 000.
  • Flexible repayment terms from 6 to 84 months.
  • A fixed interest rate throughout your loan term.
  • Settle all other debts with a debt consolidation loan.
  • Ongoing financial wellness education and information.
  • Access to online financial calculators and tools.
  • Dedicated and professional support via our Mobile App, Website or WhatsApp.

Bayport offers Employee Financial
Wellness Solution

We empower employes and give employers the right tools
Financial wellbeing of employees is one of the biggest challenges employers face today. Over indebtedness of employees is a leading cause of strained employer/employee relations lack of productivity, absenteeism, illness etc.

Bayport offers a holistic long-term financial wellness solution that can assist employers and employees in overcoming these challenges, offering employees a way out of financial distress, into financial wellness.

Visit our Information Centre

Beware of financial scams
Is it a scam

Keep up to date on the latest scams used in the financial services industry

Bayport’s financial wellness blog
Visit our Blog

Get great tips from our simple and practical financial wellness articles

Bayport Financial Services to Covid 19 Lockdown
COVID - 19 Update

Learn about Bayport's response to COVID-19 and the national lockdown


Analine Kruger:
Financial Services employee

Her story:
I have wanted to start a business for a long time in order to secure my financial future...

Nkosinathi Dlomo:

His story:
Two years after Nkosinathi Dlomo had taken out a loan with Bayport, his health took a turn for the worst...

Chantel Williams:
Financial Services employee

Her story:
Medical Sales Rep, Chantel Williams needed a vehicle to do her job. She just could not rely on public transport to get her to meetings...

Your information matters to us,whether is it safely secured on a local server or cloud.
Find out more in our Terms and conditions

Different ways to contact us

Apply Online

Our online personal loan application is safe and secure
login or register.

Loan application via WhatsApp

We are on WhatsApp give us a text 087 240 5555.

Find a Branch
Find a branch

See where the nearest branch is Branch locator.

Get an agent to call me back
Call me / Call you

Call us on 087 287 4000 or fill out this form and we will call you back.