Home Improvement Finance For Real People Review


Headquartered in Quigney East London, South Africa, Home Improvement Finance for Real People is a reputable loan services provider that offers loans up to R120 000 for customers to spend at over 600 participating Hardware stores. In addition, Real People Loans has allegedly been offering property loans and home improvement loans to South Africans since 2001. Moreover, they allow their clients to repay the loans within 48 months. Interestingly, the loan service provider has successfully helped thousands of people achieve comfortable living conditions and lifestyles, thanks to their affordable financial solutions.

Home Improvement Finance Features Overview


  • Up to 48 months repayment period
  • Affordable interest rates
  • Fast processing times
  • Loan approvals are within two hours
  • Six months’ flexibility


  • Limited to home loans
  • Interest payments may become overly high for long term loans
  •  Real People Home Finance loans are not available in all states.

What Types of Loans Does Real People Home Finance Offer?

Real People Home Finance provides property loans and home improvement loans. As a result, the loans funds can be channeled towards home building projects and overall improvement of living conditions of the home — general home renovations. However, the implication is that borrowers cannot use their loan funds for other purposes.

How Does Real People Home Finance Work?

The Real People Home Finance loans operate in a straightforward manner. The loan funds are deposited directly into the stores where people buy their building materials to cater for the payment of the building and renovation materials you purchased.  These direct payments save you the hassle of going through lengthy processes to access your loan funds.

What Are Real People Home Finance’s Terms, Fees, and Conditions?

The various loan products offered by Real People Home Finance are clearly stated in the Quotation based on that Loan Product. The loan amount to be provided to customers vary between R 1000 to R 120 000.

They offer six months of flexibility. This means that borrowers can purchase their building or renovation material step-by-step as their home project progresses during the first six months of the loan period. Also, during this period, you only pay interest on the portion of the loan amount used. After that, your installment amount is calculated on the final amount owed and will be a fixed installment amount until the loan is fully repaid. Borrowers will also receive up to 30% of the loan amount in cash to assist in paying for labor and other related expenses.

Lastly, the interest charged on a Real People Home Improvement Loan is dependant on your credit profile.

How Can You Qualify?

To qualify for a Real People Home Finance loan, you must be between 18 and 64 years old and permanently employed, self-employed or employed under contract. In addition, you must be earning a salary of at least R 3 600 per month and have your salary electronically deposited into a bank account.

How to Apply for a Real People Home Finance Loan

Applying for a Real Home Finance loan can be done using the following steps:

  • First, visit a participating store
  • Ask about a Real People loan from a friendly credit consultant
  • Check the loan amount you are eligible for
  • Choose your home building materials in store
  • Login and complete the Real People loan application in-store
  • Get approval within 2 hours, and the loan service provider will pay the store directly for your home building materials

What Documents are required for the loan application?

To apply for the Real People Home Finance, you will be required to submit the following documents:

  • Valid SA ID or driver’s license
  • RICA Registered Cellphone number
  • Most recent payslip and bank statement showing latest three salary deposits; OR
  • Three months’ bank statements (if you are self-employed)

Where Does Real People Home Finance Operate?

Real People Home Finance operates from its headquarters in DMC Views 12 Esplanade Street Quigney East London 5201, South Africa.

How Is Real People Home Finance’s Customer Service?

Real People Home Finance offers a knowledgeable client support team that are available to respond to clients’ general, technical, and loan-related inquiries. Clients can easily contact the support team via telephone (086 110 1724), email (helpdesk@realpeople.co.za), online “contact us” form, and various social media channels — YouTube and Facebook.