Apply for an online loan of up to R250,000 with Bayport
Bayport offers personal loans of up to *R250,000 with up to *84 months to pay
*Personal credit and risk profile dependent. Ts and Cs apply.
Whether you need a loan to consolidate all your debt, are considering starting your own business, or need to fund your family’s education, Bayport is here to help you apply for a personal loan to suit your needs and our customers enjoy a host of benefits.
Why apply for a Bayport Personal Loan
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:
Free 24/7 Access to online statements
Easy access to online statements and to make secure payments
24/7 self-service on our mobile app
Dedicated and professional support via our Mobile App, Website or WhatsApp.
Get a free credit health report
Get access to a free credit health report each month
Your unsecured personal loan is insured
Your personal loan is insured in the event of death, disability or retrenchment.
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Bayport offers a simple online loan application process with an answer in just minutes
It is a simple and convenient process to apply for a Bayport personal loan online.
Step 1: Register and activate your free Bayport account
You will need to provide us with your contact details and create a password for your Bayport account. You will then receive an email to activate your account – once received, click the ‘activate account’ button and proceed to login.
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.
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.
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.
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*)| Interest rate (APR)** | Credit Advanced | Term of Loan | Monthly Insurance Premium | Monthly Service Fee | Total Installment |
| 20% | R100,000 | 72 Months | R556.64 | R69.00 | R3,050.00 |
*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!
Testimonials
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:
Telesales
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...