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Home Improvement Loans

Home Improvement Loans


The Real People flexibuild™ loan offers you the convenience of financing your building material as your homebuilding project progresses. Whether you are building a new home, adding an extra room, putting in new kitchen fittings or paving your driveway, you have the option of an affordable, flexible finance solution.

We offer:

  • Loans up to R120 000
  • Up to 48 months to pay
  • Quick and easy application process
  • Approval within 2 hours*
  • Get 30% of the loan amount in cash, if needed

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


  • You have the convenience of receiving the loan amount in phases over the first six months of the loan period, to suit your building project requirements.
  • Your instalment amount is calculated only on the portion of the loan amount that you have received for each phase of your project. This means that your instalment amount will only increase when you receive additional pay-outs** from the total loan amount you qualified for. 
  • Once the six-month mark is reached, the final instalment amount is calculated on the amount owed at the time, and will be a fixed instalment amount until the loan is fully repaid.
  • You have the option to receive up to 30% of each loan advance received in cash, to assist in paying for labour.

**All loan pay-out requests are subject to monthly credit health checks.


Anyone who:
  • Is employed or self-employed
  • Is between 18 and 64 years old
  • Earns a gross salary of at least R2000 p/m
  • Has their salary or other income electronically deposited into their bank account


  • Valid SA ID or driver’s license
  • RICA registered cell phone number
  • Payslips or Bank statements:
  1. Your most recent payslip & bank statement showing your latest 3 salary deposits; OR
  2. Latest 3 payslips; OR
  3. 3 months bank statements if self-employed


To apply, visit the Money Centre at a Builders store near you to complete the application process***

***All loan applications are subject to final credit approval. Terms and conditions apply.

Disclaimer (Important for consumers to note).


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Contact Us

Our friendly contact centre staff can assist with quotation requests, product enquiries and account queries.

-Call 0860 284 533- We’d love to get your feedback on how we are doing.