Persal Online — Short-Term Loans for South African Government Employees
How it works: enter your amount and term, tap Apply Now, check if you qualify, verify your identity, fill in your personal details, upload your bank statement and payslip, verify your bank, then submit and you're done.
Every figure is on the screen before you fill in a single field, and it is the same figure that leaves your account. Work out your own numbers →
How it works
It takes minutes to apply.
No branch visit. No forms to print. Upload straight from your phone.
About Persal
Persal is dedicated to providing fast, transparent, and responsible payroll loans to South African government employees. Our mission is to empower you with access to fair credit, simple application processes, and peace of mind through payroll deduction.
- Built for South African public servants
- NCR registration in progress; affordability assessed under the National Credit Act
- Local support and quick payouts
What Our Clients Say
"The process was so quick and easy. I got my loan approved in a day and repayments are stress-free!"
Department of Health
"Persal really cares about public servants. The support team was helpful and the rates are fair."
Department of Education
"I love that repayments come straight from my salary. No stress, no missed payments!"
SAPS
Frequently Asked Questions
Do you qualify?
Persal lends to public servants only. If these four are true, you can apply.
- A valid Persal numberYou're a South African government employee paid through Persal.
- South African ID, 18 or olderVerified by scanning your ID and taking a selfie — no paperwork.
- A bank account in your own nameActive, and the account your salary is paid into.
- R1 000 left after your commitmentsWe check affordability so you're not lent more than you can repay.
What you can expect
- R500 – R5 000
- Loan amount
- 1 – 3 months
- Repayment term
- Within 3 hours
- Paid out after approval
- Debit order
- On a date you choose
Checking costs nothing and does not affect your credit score. Approval is subject to affordability.
And the part most lenders bury
Missing a deduction costs more. It can carry further fees and can affect your credit profile. If you are struggling, tell us before the date rather than after — that is the point at which we can still help.
Stay Informed
One email when something changes that affects what you pay. Nothing else.
- Changes to our rates, fees and loan limits — before they take effect
- New products for public servants, and who they're for
- Practical money guidance written for a Persal salary