Real People Application

Real People Logo

Building, extending, renovating or improving your home? With a Real People Home Improvement loan, you have the convenience of financing your homebuilding materials to create your dream home.

With over 600 participating hardware retail stores, country-wide, you can choose where you want to purchase your homebuilding materials with ease.

In-store application process

  • STEP 1: Visit a participating store.
  • STEP 2: Ask about a Real People loan from a friendly credit consultant.
  • STEP 3: Check the loan amount you qualify for.
  • STEP 4: Choose your homebuilding materials in store.
  • STEP 5: Complete the Real People loan application in-store.
  • STEP 6: Get approval within 2 hours*.
  • STEP 7: Real People will pay the store directly for your homebuilding materials.

*Subject to all required documents being submitted when initially applying for the loan and all underwriting criteria being met.

What you need to apply:

  • Valid SA ID or driver’s license.
  • RICA Registered Cellphone number.
  • Payslips and bank statements:
  • Your most recent pay slip and bank statement showing latest 3 salary deposits; OR
  • Latest 3 payslips; OR
  • 3 months’ bank statements (if you are self-employed)

You can apply if:

  • You are permanently employed, self-employed or employed under contract.
  • You earn a salary of at least R 2 000 per month & have your salary electronically deposited into a bank account.
  • You are between 18 & 64 years’ old.