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Real People Home Improvement Loan

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Get a Real People Home Improvement Loan today and improve the state of your living environment, a Real People Home Improvement Loan can help you to paint your house, buy new furniture, renovate you kitchen with new stuff.

Benefits of a Real People home improvement loan

Our home improvement loan offers you great benefits:

  • Loans – from R1000 up to R100 000
  • Flexible repayment periods of up to 48 months
  • A quick and easy application process
  • Credit life insurance which covers you in case of death, disability and retrenchment
  • No deposit required
  • Convenience:
    • You choose where you want to purchase your home improvement materials from any one of our many participating stores countrywide
    • Once your loan is approved, your materials are delivered to your selected address and you can start enjoying the process of transforming your home into what you want it to be!

How does Real People Home Improvement Loan work?

Follow these 6 easy steps and make improving your home a reality:
Step 1:
You decide on what improvements you want to make to your home, for example, adding an additional room, new kitchen fittings, new tiling, a new coat of paint, or even a new gate or fencing

Step 2:
Visit www.forrealpeople.co.za and get pre-approved* for your loan

Step 3:
Once you are pre-approved for your loan, visit your nearest participating store OR you can apply for your loan from any one of our partner stores. Remember to take the following documents with you:

  • Valid SA ID (permanent or temporary) or driver’s license
  • Your most recent pay slip
  • 3 months bank statements (if you are self-employed)

Step 4:
Choose what you want to buy from one of our partner store

Step 5:
Your loan is processed while you wait and checks and approvals* are done in 1 day. Once your loan is approved, the money is paid directly to the hardware retailer (Store) in order to pay for the home improvement material that you have selected.

Step 6:
After receiving confirmation that the payment has been made, the consultant at the store will make arrangements with you to deliver your materials to your home.

Do you qualify for Real People Home Improvement Loan?

You can check if you qualify for a Real People home improvement loan before you visit the store.

Click here to check if you qualify , OR visit your nearest participating store today and ask about the Real People home improvement loan.

You can apply for Real People Home Improvement Loan if you:

  • Are permanently employed, self-employed or employed under contract
  • Earn a salary of at least R2000 per month and have your salary electronically deposited into a bank account
  • Are between 18 and 64 years old

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

How do you apply for Real People Home Improvement Loan?

Once you have been pre-approved for your loan, visit your nearest participating store where a store consultant will complete the loan application process Or you can also apply for your loan instore.Remember to take the following documents with you:

  • Valid SA ID (permanent or temporary) or driver’s license
  • Your most recent pay slip
  • 3 months bank statements (if you are self employed)

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

Where do I buy home improvement materials from?

Real People has agreed with a wide range of participating retail hardware stores to give you the convenience of buying home improvement materials at a store close to you. You can choose to visit any of our partner stores:

  • Build it
  • Builders Warehouse
  • Builders Express
  • Builders Trade Depot
  • Essential Hardware
  • Hardware Warehouse
  • BUCO
  • Buffalo Timber and Hardware
  • DIY Depot
  • P&L Hardware
  • Lumber City
  • SA Timber
  • MICA
  • Boxer Build
  • National Tile Traders
  • Laduma Hardware
  • TWK
  • Build and Save
  • ALS Hardware
  • Timber City
  • GWK

Why do I need to go to a store to complete my loan application?

Our participating stores assist us with the process of completing the loan application process by checking for supporting documentation:

  • Valid SA ID (permanent or temporary) or driver’s license
  • Your most recent pay slip
  • 3 months bank statements (if you are self employed)

A store consultant will send these documents to the Real People loan processing vetting centre for validation and completion of the loan approval process. This can take approximately 30 minutes. We aim to provide feedback on the same day on condition all required documents are provided.

Once your loan application is approved, an automated response is sent through to the store. This enables the store to release your home improvement material to you. The store will make arrangements with you to deliver your materials to your home.

What is the relationship between Real People and the hardware retailer?

Real People give you access to a home improvement loan and we have agreements with hardware retailers who are in the business of selling home improvement materials. This engagement allows our participating stores to offer you a Real People home improvement loan in their store so that you can buy the materials that you want.