Some unsecured loan plans includes up to 16 % interest rates. Personal loans are probably the easiest way for you to be able to get hold of some money that you need expediently. So, such a loan is more useful to tenants or non-homeowners, though homeowners also are eligible. After you have settled for a lender, for fast approval and cost free processing of the loan, apply online to him. The best thing about this loan scheme is no credit checking processing, it means you can get the loan even you are tagged with bad credit score because lending company approves your loan without checking the credit your credit history. Whether it is for home renovation, medical emergencies or any other personal requirement, you can get unsecured loans if you are 18 years or above and a South African citizen.