Sanlam and GoTyme Bank's joint venture blends deep financial expertise with digital innovation to bring digital lending to South Africans.
SanlamGoTyme is a dedicated joint venture bringing together two leaders in finance and digital banking, focused on making personal lending more accessible for all South Africans.
A pillar of South African finance for over a century, trusted by millions for insurance, investments, and financial planning.
GoTyme Bank (formerly TymeBank), is one of South Africa's fastest-growing digital banks, known for accessible, mobile-first financial services.
Together, we've created a focused personal loans offering, combining institutional credibility with the speed and convenience of digital lending.
The best of two worlds: Institutional credibility and digital speed, in every loan.
Registered with the NCR as a credit provider (NCRCP 22861), we operate within the regulatory frameworks of both Sanlam and GoTyme Bank (formerly TymeBank), so you can borrow with confidence.
Apply for a personal loan quickly and easily through any of our partner channels. Enjoy digital convenience backed by trusted institutions.
Whether you need R1,000 or R350,000, for three months or 84, our personal loans flex to fit your situation, with fixed instalments and competitive, prime-linked rates.
From everyday needs to life's bigger moments, our personal loans are designed to work around your circumstances.
Flexible personal loans tailored to your needs. Borrow what you need, repay at your pace:
Get a decision quickly when you apply through any of our channels:
Three reasons South Africans choose SanlamGoTyme personal loans:
SanlamGoTyme exists because access to fair, flexible credit should be simple. We bring together institutional trust and digital efficiency to make personal lending work for more South Africans.
We're straightforward about what we offer, what it costs, and what you can expect. Every decision we make is guided by honesty, accountability, and your best interests.
Your income level, location, or background should never stand between you and access to credit. Our personal loans are designed to reach more South Africans, not fewer.
We combine the strength of established financial institutions with modern, digital-first thinking, so applying for a personal loan is quicker, simpler, and built around the way you live.