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Loan repayment calculator

Choose your amount and term. See interest, fees, the full cost and each monthly repayment.

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Lendeka repayment estimate

Choose your loan example
R500R4 000
Pay it back over

1 month: up to R2 000. 2 months: up to R4 000. 3 months: up to R6 000 for returning customers.

Total to repayR1 635.00

1 repayment of R1 635.00. Includes all interest and fees.

See every cost
Amount paid to you
R1 500.00
Interest (3% per month)
R45.00
Initiation fee
R60.00
Service fees
R30.00
Together saving
R0.00
Credit life insurance
Not charged

Fees include any applicable VAT. This estimate uses full monthly periods; your quotation sets the actual dates and any pro rata charges.

Estimated repayment schedule
PeriodPrincipalInterestFeesRepayment
Month 1R1 500.00R45.00R90.00R1 635.00

Before you apply

This is an estimate, not a loan approval. All applications are subject to credit and affordability checks. Costs and fees.

Lendeka repayment estimate. Model ZA-2026-10-28. Full monthly periods; not a contract or personalised quotation. Printed: 28 October 2026. lendeka.co.za

What this estimate includes

The full amount paid to you, 3% monthly interest on the outstanding principal, a R60 once-off initiation fee and R30 service fee per full month. Fees include any applicable VAT.

There is no compulsory credit life insurance. Together reduces the initiation fee by R30 for eligible returning customers.

Read the schedule

Principal is repaid in equal portions, with any remaining cent added to the final portion. Interest decreases with the principal balance. The first repayment includes the initiation fee, so repayments can differ.

Before you rely on the result

This uses full monthly periods, without actual dates. Your quotation confirms the payment dates, day-count basis and pro rata charges. It is not a credit check, account balance or approval.

Read the complete calculation method and Together eligibility rules.

Public model ZA-2026-10-28. Content review due 28 January 2027.