SA Credit Market Data

Data transcribed from official published sources — the South African Reserve Bank (SARB) prime rate table and the National Credit Regulator's (NCR) Consumer Credit Market Report. Every page links its source; each figure is traceable to a specific published table.

Prime Rate History

10-year SARB prime rate chart with event annotations — COVID cuts, hiking cycle, the 2024–2025 cutting phase, and the May 2026 hike. Includes full rate change table.

View prime rate history →

Repayment History

What a R1m bond actually cost per month through every rate change since 2016 — from the COVID low to the 2023 peak to today. Adjustable to your own amount.

View repayment history →

Credit Statistics

NCR consumer credit market data (Q2 2025): total credit book, average loan balances, and arrears rates by loan category.

Q2 2025

View credit statistics →

Data on this site is transcribed manually from official published reports, with a verification record kept per source. SARB prime rate data is refreshed after each MPC meeting (~6× per year); NCR credit statistics after each published quarterly report (the NCR publishes with a lag — the quarter shown is the latest available). All of it is educational information only — not financial advice.