VALR ZAR loan rates
Loading…Borrower and lender APR, with utilisation
How often borrowing costs more than 21.6%, by time of day (SA time, all data)
Last 12 auctions (SA time)
| Auction | Lender APR | Borrower APR | Utilisation |
|---|
VALR sets ZAR lending rates in an hourly auction. Borrowers pay 1.2× the lender rate. Past data suggests the rate jumps from 21.6% to 36% once utilisation passes about 88%, and to 100% at 95%. APR = hourly rate × 8,760. Data from VALR's API; new auctions appear within seconds. Not financial advice.