Off an eligible initiation fee, including VAT. Capped at the fee payable.
Eligibility
For a new approved agreement after a RandHaven loan fully settled within the previous 24 months. New credit and affordability checks apply. Check whether the benefit is included in your quotation.
- No membership fee or borrowing targets.
- One benefit per agreement. Welcome and Circle do not stack.
- No cash payment or unused amount carried forward.
The saving, side by side
The same R2 000 loan for 30 days from 1 November 2026. Both columns use 5% monthly interest. Only the voluntary Circle saving changes.
| Same R2 000 · 30-day example | Without Circle | With Circle |
|---|---|---|
| Interest (5% per month) | R100.00 | R100.00 |
| Initiation fee, including VAT | R304.75 | R274.75 |
| Service fee, including VAT | R69.00 | R69.00 |
| Total to repay | R2 473.75 | R2 443.75 |
| Additional saving | R0.00 | R30.00 |
The additional saving is R30. A legally applicable 3% calendar-year rate would be used in both columns; it is not counted as a Circle reward.
How the benefit works
- First, fully settle the previous RandHaven loan. There is no need to borrow again to stay in touch.
- If you later need another loan, ask the official team to check Circle eligibility. No separate account or paid subscription is required.
- Review the new quotation. The actual initiation fee and benefit must be visible before you accept.
- If a benefit looks wrong, ask for a review before accepting. The website does not determine your personal status.
Does Circle apply to every partner offer?
No. Circle is a RandHaven benefit. The independent partner has its own terms. A saving applies only when the provider explicitly includes it in your quotation; visiting this page does not activate a benefit.
What if the fee is less than R30?
The saving stops at zero. A R20 eligible fee would be reduced by R20 to R0. There is no cash payment, balance or carry-over.
Can I combine Welcome and Circle?
No. Only one voluntary fee benefit would apply. Where another promotion is available, the operator should apply the more favourable eligible benefit under its rules.
What if the new request is declined?
No benefit is paid in cash, and no loan is created. You can still use the worksheet and contact support.
What if I need help with my current loan?
You can contact support about the current agreement without taking another loan or qualifying for Circle. Find repayment help.
Free tools and support for everyone
You can use the budget worksheet and contact support without joining Circle or taking a loan.