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Head-to-head · Personal Loan Apps

Standard Bank Personal Loan vs MoneyLion Personal Loans

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Standard Bank Personal Loan #3 in Personal Loan Apps 7.3/10 Paid ✓ 2 of 2 features Visit Standard Bank
MoneyLion Personal Loans #7 in Personal Loan Apps 6.3/10 Free plan Free plan✓ 2 of 2 features Visit MoneyLion

Standard Bank Personal Loan leads on 0 checks, MoneyLion Personal Loans on 1, and 2 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreStandard Bank Personal Loan · 7.3/10
  • Free planonly MoneyLion Personal Loans

Standard Bank Personal Loan scores higher on our rubric for personal loan apps: 7.3 against 6.3 out of 10; our editors rank them #3 and #7.

MoneyLion Personal Loans offers free plan; Standard Bank Personal Loan doesn't.

Standard Bank Personal Loan is the better fit for south African revolving and term credit. MoneyLion Personal Loans is the better fit for free mobile loan-offer comparison.

  • Standard Bank Personal Loan fits best

    South African revolving and term credit

  • MoneyLion Personal Loans fits best

    Free mobile loan-offer comparison

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature Standard Bank Personal Loan 7.3/10 Visit ↗ MoneyLion Personal Loans 6.3/10 Visit ↗
At a glance
Editor score 7.3 6.3
Ranking #3 in Personal Loan Apps #7 in Personal Loan Apps
Best for South African revolving and term credit Free mobile loan-offer comparison
Pricing model Paid Free
Starting price Not published Not published
Free plan — ✓ (best)
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, Android, iOS Web, iOS, Android
Support Phone Email, Phone · 24/7
Built for Solo, Small business Solo, Small business, Mid-market, Enterprise
Features Standard Bank Personal Loan 2/2 · MoneyLion Personal Loans 2/2
Origination fee ✓ ✓
Prequalification ✓ ✓
Specs
Loan amount range R1,000–R300,000 Not published
APR range Maximum APR is prime plus 17.5%; minimum APR not published. APR statement does not specify inclusion of origination fees. Not published
Loan purposes Personal financial needs, including major purchases, unexpected expenses and home improvements debt consolidation; credit-card payoff; home improvement; medical bills; education; large purchases; weddings; unexpected expenses
Mobile apps Both Both
Our review
Pros
  • Choose term repayments or revolving access without reapplying.
  • Apply online or through the Banking App and view an indicative quote.
  • Borrow from R1,000 to R300,000 with terms of 12 to 72 months.
  • Compare partner offers side by side by rate, term, and monthly payment
  • Explore matched offers with a soft search that does not affect credit score
  • Apply online and submit documents for a range of loan purposes
Cons
  • Rates are personalised, and no minimum APR is published.
  • A monthly service fee and once-off initiation fee apply.
  • Approval, rates and terms depend on individual assessment.
  • MoneyLion refers applicants to lenders rather than making loans directly
  • Participating lenders determine final rates, fees, approval, and terms
  • No comparable APR range or verified minimum loan amount is published
Our verdict

Standard Bank Personal Loan offers term and revolving personal credit for South African borrowers seeking funds for major purchases, unexpected expenses or home improvements. Applicants can use the website or Banking App to apply, and view…

Read the review →

MoneyLion Personal Loans is an online marketplace that matches consumers with personal-loan offers from partner lenders. Applicants provide a desired amount, loan purpose, and basic financial details, then compare matched offers. The…

Read the review →
  1. Standard Bank Personal LoanPersonal Loan Apps 7.3Paid
  2. MoneyLion Personal LoansPersonal Loan Apps 6.3Free plan

Strengths and trade-offs

  • Standard Bank Personal Loan — where it wins

    • Choose term repayments or revolving access without reapplying.
    • Apply online or through the Banking App and view an indicative quote.
    • Borrow from R1,000 to R300,000 with terms of 12 to 72 months.

    Where it doesn't

    • Rates are personalised, and no minimum APR is published.
    • A monthly service fee and once-off initiation fee apply.
    • Approval, rates and terms depend on individual assessment.

  • MoneyLion Personal Loans — where it wins

    • Compare partner offers side by side by rate, term, and monthly payment
    • Explore matched offers with a soft search that does not affect credit score
    • Apply online and submit documents for a range of loan purposes

    Where it doesn't

    • MoneyLion refers applicants to lenders rather than making loans directly
    • Participating lenders determine final rates, fees, approval, and terms
    • No comparable APR range or verified minimum loan amount is published
  • Standard Bank Personal Loan7.3/10 · Paid

    Term and revolving credit with online and app applications, subject to individual assessment.

    Visit Standard BankFull verdict →
  • MoneyLion Personal Loans6.3/10 · Free plan

    A free marketplace for comparing matched personal-loan offers without a credit-score impact.

    Visit MoneyLionFull verdict →

More comparisons

All personal loan apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update