If you want a hassle free loan then Sanlam Personal Loans is not the way to go.

Again one star is way too much. So I have a personal loan with Sanlam and getting the loan was easy enough and my gripe is what happens after. In this instance at about the beginning of the month they sent out a text message saying that they were going to put in a debit order for the 19th of the month already where it is normally the 28th of the month. The message also says if that does not suite you to reply to the message or call. I rep**** saying that it does not suite me as my payday is going to be the same as usual and left it at that,. So yesterday I get another text message saying the same thing. This time i sent the exact same message and then also tried calling them on the number they provide being *** and this is where the fun and games started as they DO NOT ANSWER their phones or they answer and just leave you dangling saying hello hello and eventually the phone goes dead. So if i do not get to speak to someone they are going to try and debit my account on the 19th and due to no funds my bank is then going to impose a penalty on my account of anything between R95 and R200. I tried three times and got the same response so I decided to try again today. Today on my second attempt I managed to get through to an agent and explained please to leave it for the 28th and from January to make my debit on the 1st as I will then be with another company and my payday is either the last day of the month or the 1st depending from bank to bank etc. So the consultant explained that she is putting me through to another department and that is where it died and we are back to square one,. The call rang and rang was picked up and put down.... end of communication...For peace of mind the effort of trying to communicate with this department is just not worth the loan. I still am not sure whether the December payment will be going off on the correct date or are they going to try and debit my account on the 19th as per their text message. Honestly trying to communicate with this company is a nightmare and really not worth the effort. I would not promote them in any way, if you want peace of mind and not a hassle of trying to communicate with whomever you have taken the loan from then do not go the Sanlam personal loan way as you will end up being frustrated and fed up