R30 off the initiation fee
On a new approved RandLeaf loan, the initiation fee is reduced by R30, never below zero. Interest and service fees stay the same.
RandLeaf Roots: benefits for returning customers
Repaid a RandLeaf loan? Your next one would cost R30 less, with no points, no accounts and no pressure to borrow. This programme is proposed and not active yet.
- R30 off the initiation fee
- 24-month window
- Free, nothing to join
- Not active yet
One money benefit and two practical ones
The money benefit and the practical extras are kept separate, so it’s always clear what reduces your cost and what simply helps.
Budget planner
A printable monthly budget sheet to check what fits before you borrow. It works on paper or on screen and shares nothing. Open the planner.
A support topic for returning customers
Ask about eligibility, your past loans or a paid-up letter under one topic with our existing support team.
The conditions, next to the benefit
- You have fully repaid at least one RandLeaf loan, on schedule or early
- Your last loan was fully repaid within the past 24 months
- You apply for a new loan and it is approved after the normal assessment
- There is nothing to join, sign up for or pay
- It doesn’t raise your limit or guarantee approval
- It isn’t paid out in cash and unused benefit doesn’t carry over
- Only one voluntary price benefit applies to a loan at a time
The programme is not active yet. Until the operator confirms a start date on this page, no benefit is applied to any loan.
From a repaid loan to a smaller fee
A loan is fully repaid
On schedule or settled early. Your 24-month window starts from the day it closes.
You apply again, if you need to
Only when there is a real need. The programme never asks you to borrow to keep a benefit.
We assess as usual
Identity, credit and affordability are checked like any application.
The quote shows the benefit
If you qualify, the R30 reduction appears as its own line in your written quote.
Without and with the loyalty benefit
Same amount, same term, same returning-customer pricing. Illustrative returning-customer examples, not a statement that you are a member.
Without loyalty benefit
Short-term loan, R1 500, 1 month
- You receive
- R1 500.00
- Interest at 2% a month
- R30.00
- Initiation fee, once
- R70.00
- Service fee, R40.00 × 1
- R40.00
- Total to repay
- R1 640.00
One repayment of R1 640.00 about a month after payout.
With loyalty benefit
Short-term loan, R1 500, 1 month
- You receive
- R1 500.00
- Interest at 2% a month
- R30.00
- Initiation fee before benefit
- R70.00
- RandLeaf Roots benefit
- −R30.00
- Initiation fee charged
- R40.00
- Service fee, R40.00 × 1
- R40.00
- Total to repay
- R1 610.00
One repayment of R1 610.00 about a month after payout.
Difference: R30.00 less to repay, because the initiation fee drops by R30.00. Interest and service fees are the same in both columns.
Without loyalty benefit
Personal loan, R10 000, 12 months
- You receive
- R10 000.00
- Interest at 2% a month
- R1 347.15
- Initiation fee, once
- R410.00
- Service fee, R40.00 × 12
- R480.00
- Total to repay
- R12 237.15
11 × R1 019.76, then a final R1 019.79.
With loyalty benefit
Personal loan, R10 000, 12 months
- You receive
- R10 000.00
- Interest at 2% a month
- R1 347.15
- Initiation fee before benefit
- R410.00
- RandLeaf Roots benefit
- −R30.00
- Initiation fee charged
- R380.00
- Service fee, R40.00 × 12
- R480.00
- Total to repay
- R12 207.15
11 × R1 017.26, then a final R1 017.29.
Difference: R30.00 less to repay, because the initiation fee drops by R30.00. Interest and service fees are the same in both columns.
How to find out if you qualify
- Have your ID number ready. You don’t need a loan reference.
- Contact our support team through an official channel and choose the returning-customer topic.
- We check your repayment history in our own systems and tell you whether the benefit would apply.
- If you apply, check that the benefit appears as a separate line in your quote before you accept.
Rules in brief
RandLeaf Roots (ROOTS-2026-10). For customers who fully repaid a RandLeaf loan in the last 24 months. R30 off the initiation fee on a new approved loan, never below zero, no cash value. One voluntary price benefit per loan. Normal assessment applies. Not active until a start date is published.
RandLeaf Roots questions
How do I join?
You don’t. If you meet the conditions when you apply for a new loan, the benefit is applied to your quote. There’s no form, card or fee.
Do I need to apply for a new loan to benefit?
Yes, the money benefit only exists on a new approved loan. Please don’t borrow just to use it: the budget planner and support topic are there whether you borrow or not.
Do I need an account?
No. There are no accounts, points or balances on this website.
Does it apply if I borrow a smaller amount than last time?
Yes. The R30 reduction doesn’t depend on the amount or the term. If an initiation fee were ever lower than R30, it would drop to zero, never below.
What if my new application is declined?
Then there is no new loan and no fee to reduce. A decline doesn’t remove your eligibility for a later application within the window, and you can still use our support and the planner.
The benefit isn’t on my quote. What now?
Don’t accept the quote yet. Contact support and ask us to check. If we made a mistake, we correct the quote; if you have already signed, we follow the correction process in the rules.
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