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COVID-19 Notice: Bayport’s services are still accessible. Bayport encourages you to process all your Bayport requirements online. You can apply, get updates and view statements via our online portal. Please register and login. You can also use our WhatsApp self service portal by sending a message to 087 240 5555. For more information click here

Start your
financial journey to
financial health

Visit our Information centre for free financial wellness resources

Register and apply
for a personal loan
up to R 250,000

Click here to explore



Bayport offers employee financial wellness solutions

We empower employees and give employers the right tools to improve financial health.

Financial wellbeing of employees is one of the biggest challenges employers face today. Over indebtedness of employees is a leading cause of strained employer/employee relations, lack of productivity, absenteeism, illness and more.

Bayport offers a holistic long-term financial wellness solution that can assist employers and employees in overcoming these challenges, offering employees a way out of financial distress, into financial wellness.

Get a personal loan of up to R250,000

It is easy to apply for a Bayport personal loan of up to R250,000 with our simple online loan application process and personalised service. Once you have registered, all it takes is a minute, to find out if you qualify for a Bayport personal loan. Our online loan application process allows you to also upload all documents required to complete your application.

Apply for a short-term personal loan online in five easy steps

1 Register
2 Apply
3 Affordability
sssessment
4 Approve
5 Receive
money

Step 1: Register and activate your free Bayport account

You will need to provide us with your contact details and create a password for your Bayport account. You will then receive an email to activate your account – once received, click the ‘activate account’ button and proceed to login.

Step 2: Login and apply

Once you login, you can start your online loan application by telling us a bit more about yourself, such as your income and expenditure details, your employment information and banking details. For faster response, please have your documents (listed below) ready for uploading.

Step 3: Affordability assessment

After you have uploaded your documents and have submitted your application, we verify the information provided with the credit bureau. We then check how much you qualify for based on your affordability.

Step 4: Sign your contract online

Once we grant you a loan offer, you will need to login and accept your loan offer and the terms and conditions online. We will email you a copy of your terms and conditions.

Step 5: Receive your personal loan

We disburse our personal loans in real-time, meaning, as soon as you accept your offer and your application passes final assessment, we will pay your funds into your bank account.

Representative example of a R100,000 loan repaid over 72 months

(including interest, fees and insurance*)
Interest rate (APR)** Credit Advanced Term of Loan Monthly Insurance Premium Monthly Service Fee Total Installment
20% R100,000 72 Months R556.64 R69.00 R3,050.00

*The amount of the total installment will remain unchanged throughout the term of the agreement
**Risk profile dependent

You will need these documents when applying for your personal loan

  • South African ID
  • Proof of residence not older than 3 months
  • Latest payslip
  • Last 3 months’ bank statements

Continue your application where you left off

  • Upload your documents when you have them, anytime.
  • We will hold onto your application details in the section where you left off - no need to start over!

Why choose Bayport for your personal loan

Personal Loan
Personal loan

Get a personal loan from R1,000 up to R250,000 with flexible repayment terms.

Debt Consolidation
Debt consolidation loan

Settle your other loans when you apply for a personal loan and have one account to manage.

Nationwide Footprint
Nationwide footprint

Our footprint in South Africa covers all major metropolitan areas and all popular mediums of communication.

Third largest unsecured lender
Employee wellness

We partner with employers to provide tailor-made financial wellness solutions to improve their employees financial health.

Bayport customer benefits

As a Bayport customer, we want to make your journey with us a convenient and simple one Here are some of the benefits that our customers enjoy:

Online statements and payments
Free 24/7 Access to online statements

Easy access to online statements and to make secure payments.

Mobile app 24-7 self-service
24/7 self-service on our mobile app

Dedicated and professional support via our Mobile App, Website or WhatsApp.

Credit health report
Get a FREE Credit Health Report

Get a FREE Credit Health Report Get access to a free credit health report each month.

Your loan is insured
Your unsecured personal loan is insured

Your short-term unsecured loan is insured in the event of death, disability or retrenchment.

  • Bayport offers personal loans from R1,000 to R250,000.
  • Consolidate your debts with a debt consolidation loan.
  • Financial literacy tools and free resources to guide you on your journey to reaching your financial goal.
  • Dedicated and professional support via our Mobile App, Website or WhatsApp.
  • Tailored financial wellness solutions through our Employee Wellness partnerships.
  • A fixed interest rate throughout your loan term.
  • Access to online financial affordability calculators, financial literacy resources and financial planning tools.
  • Flexible repayment terms from 6 to 84 months.
  • Bayport offers personal loans from R1 000 to R250 000.
  • Consolidate your debts with a debt consolidation loan.
  • Financial literacy tools and free resources to guide you on your journey to reaching your financial goal.
  • Tailored financial wellness solutions through our Employee Wellness partnerships.
  • Tailored financial wellness solutions through our Employee Wellness partnerships.
  • A fixed interest rate throughout your loan term.
  • Access to online financial affordability calculators, financial literacy resources and financial planning tools.
  • Flexible repayment terms from 6 to 84 months.

Visit our information center

Beware of financial scams
Is it a scam?

Keep up to date on the latest scams used in the financial services industry

Bayport’s financial wellness blog
Visit our blog

Get great tips from our simple and practical financial wellness articles

Bayport Financial Services to Covid 19 Lockdown
COVID-19 Update

Learn about Bayport's response to COVID-19 and the national lockdown

Testimonials

Testimonial
Jacob: Branch manager
Financial status: over-indebted

"When I was demoted due to a company restructuring, my salary was cut by 35%....
read more

Testimonial
Lerato: Human capital manager
Financial status: distressed:

"I had more than R400,000 debt and was behind on all my loans and accounts...
read more

Testimonial
Mandla: Factory worker
Financial status: In good standing

When my house got damaged in the Umlazi floods, I had R94,000 in debts, ...
read more

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