RandLeaf Roots
R30 off the initiation fee, plus practical extras.
Coming back to RandLeaf
If you have repaid a RandLeaf loan, you can apply for higher amounts on the same price list. Every application is still assessed from the start.
What we check again, every time
A new loan is a new credit decision. A good repayment record helps, but your situation today matters more than last year’s.
Assessed again
- Your current income and expenses, so the new loan is affordable now
- Your credit record, including any new debt since your last loan
- That your bank account and contact details still belong to you
You may be asked to update
- A recent payslip or bank statement if your last one is out of date
- Your address, employer or payday if they have changed
- Your ID document if the copy we hold has expired
A previous loan does not guarantee approval. Every application is assessed. This website can’t see your history with us and doesn’t decide anything about you.
What stays the same and what can change
| Stays the same | Can change | |
|---|---|---|
| Interest rate and fees | The published price list applies to everyone | With RandLeaf Roots, once active: R30 less initiation fee |
| Amount | The minimum for each loan | You can apply for up to each loan’s maximum instead of the first-loan limit |
| Assessment | Identity, credit and affordability checks | Fewer documents if your details haven’t changed |
| Repayment | DebiCheck on a date matched to your payday | Your date, if your payday has moved |
| Number of loans | One RandLeaf loan at a time | Nothing: we don’t add a loan on top of an open one |
Higher maximums, the same responsibility
Short-term loan
First loan up to R2 000. Returning customers can apply for up to R3 000.
Instalment loan
First loan up to R5 000. Returning customers can apply for up to R8 000.
Personal loan
First loan up to R10 000. Returning customers can apply for up to R20 000.
The maximum is the most we can consider, not the amount we recommend. Borrow what the job needs.
Proposed programme · not active yet
RandLeaf Roots
Returning customer? Explore the benefits and conditions of RandLeaf Roots: a proposed R30 reduction of the initiation fee on a new approved loan, a free budget planner and a dedicated support topic for returning customers.
Help comes before another loan
If you still have an open RandLeaf loan, you can’t take a second one, and you shouldn’t need to. If repayments are hard, the right first step is a conversation, not new credit.
Our phone, email and support hours are not yet published.
Returning customer questions
How soon after repaying can I apply again?
Once your final repayment has cleared, your loan is closed and you can apply. There is no waiting period, but please apply only if you have a real need.
I settled early. Do I count as a returning customer?
Yes. A loan you settled early is fully repaid in the same way. Settling early also doesn’t stop you from qualifying for RandLeaf Roots once it is active.
Will I get the same amount as last time?
Not necessarily. The amount depends on your affordability now. It can be higher, lower or the same.
Do I need to create an account?
No. There is no login on this website. Returning customers apply through the same application service and our support team.
Where do I ask about my previous loans?
Contact our support team. They can confirm your history, send a paid-up letter or answer questions about RandLeaf Roots. Contact details.
Related pages
Paid-up letter
Proof that your loan is fully repaid, and your credit record afterwards.
Loan calculator
See the total, every repayment and each fee.