Digi Loan

Build a repayment plan that fits your next move.

Enter your income, existing debt payments and everyday costs. Empty debt and expense amounts count as 0. Total income must be above zero. Review your actual costs before using this budget check; it is not bank approval.

Dependable monthly take-home salary (MUR)

After tax and compulsory contributions, but before debt repayments. Add back repayments deducted from your payslip so they are counted only under debts.

Existing monthly debt repayments (MUR)

Total loans, leases, card repayments and other debts. Enter monthly payments, not balances. Enter 0 if none; exclude this proposed new loan.

Monthly living expenses (MUR)

Groceries, rent, utilities, transport, childcare, insurance and a monthly share of annual bills. Exclude debt payments already entered. Enter 0 only if genuinely none.

I’m taking this loan jointly with my partner or another person

Do not treat allowances, overtime or bonuses that could stop as guaranteed base salary. Check whether you could still pay without them, even if a lender counts them.

Your budget figures will be used once a loan repayment estimate is available.

Personal budget estimate, not approval or the bank’s legal DTI calculation. The 45%/50% warnings are take-home budgeting markers. Loan fees, rate rises and any final balloon payment need a separate allowance.

Job loss does not stop loan repayments, bills or the need to eat. Keep an emergency reserve that includes debts until income resumes; finding another job may take longer than expected.

Understand the 50% rule and MCIB checks

Debt-to-income (DTI) is the share of your income used for all monthly debt repayments. A figure below 50% does not guarantee approval or mean a loan is affordable. Allow for essential spending and emergencies too. Banks also assess your circumstances and credit history, including information from the Mauritius Credit Information Bureau (MCIB).

Read the full guide (opens in a new tab)

Plan an emergency fund

Keep some savings available for essential bills if your income stops or an unexpected cost arises. Money left after repayments is not all spare cash: it still needs to cover living costs and your emergency reserve.

Read the full guide (opens in a new tab)

These budget amounts stay on this page in memory. They are not sent to a bank or MCIB; leaving or refreshing clears them.

A little more detail, when you need it.

About this loan

Bank names, quoted passages and source-document text are shown in their original language. Translated explanations do not replace the bank’s terms.

Absa Digi Loan

Instant approval subject to credit assessment
No processing fees
Credit life insurance during application
No extra charges for early settlement
Complimentary Absa Digi bank account

Eligibility and conditions

APR is a disclosed cost measure and is not used as the reducing-balance calculator rate: APR) is 6.367%

Rates, limits and costs to confirm

Published annual rate: 7.25%

This is a published scheme rate. Eligibility, additional charges and the applicable terms still need to be checked.

Advertised bank pricing: starting at 7.25% p.a

Costs not yet priced

Processing, credit-life, vehicle, valuation, legal and registration costs require product-specific confirmation.

Sources & verification (9 facts)

Name

Checked 11 Oct 2026

Absa Digi Loan

Document: Get a Digi Loan

Document section: Product identity

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

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Product url

Checked 11 Oct 2026

https://www.absabank.mu/en/personal/get-a-digi-loan1/

Document: Get a Digi Loan

Document section: Canonical URL

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

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Estimate config

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We use cookies to optimise the user experience. Tell Me More Dismiss Search Log in Menu Personal SME and Business Corporate and Investment Wealth Search Search search Log in to secure service Personal Personal SME and Business Corporate and international Personal SME and Business Corporate and international Internet banking Internet banking Wealth Internet banking Absa Access Absa Access Internet banking Wealth Internet banking Absa Access Absa Access Log in Our services Register for Online Banking Let an Absa Loan help you start your story Digi loan Personal loan Home loan Car loan Green loan Student loan Key benefits Get your loan approved instantly Obtain your loan without any processing fees Enjoy competitive rates starting at 7.25% p.a* Receive credit life insurance during application Close your loan anytime without extra charges Choose a term from 1 to 7 years Get a complimentary Absa Digi bank account Use your Absa card for up to 50% off at 300+ outlets Bank conveniently with WhatsApp, Mobile App and Internet Banking. (* - If you switch your salary account to Absa.) * Terms and conditions apply. Annual Percentage Rate (APR) is 6.367% p.a. Get a loan online Have your national identity card or passport ready, and make sure the front camera is enabled on your device. Need more help? Call our 24/7 Service Centre: +230 402 1000 Email us: customer.contact@absa.africa Download the Absa Banking App today Social Useful Tools Find a branch FX rates and government yields FX Global Code SWIFT International Transfers Fees, charges and commissions Customer notices Our sites Personal banking solutions Current accounts Savings accounts SME and Business Banking Corporate and Investment Banking Wealth Banking Digital banking Who we are About Absa Bank (Mauritius) Limited About Absa Group Careers Financial reports Corporate governance Citizenship News Support Talk to us Send feedback Grievance procedure Security centre MBA Communique Phishing Attempts Let us know what you think Legal Website terms of use Data privacy statement Cookie policy Product terms and conditions Data Protection Act 2017 Absa Bank (Mauritius) Limited (Reg No C10068913) is regulated by the Bank of Mauritius and the Financial Services Commission (Licence no AI12000440 - IK16000002- CS20000017- CV12000005). Insurance products are regulated by the FSC. Registered address: Sir William Newton Street, Port Louis, Mauritius. Principal place of business: Absa House, 68 Wall Street, Cybercity, Ebene 72201, Mauritius.

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

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Loan type

Checked 11 Oct 2026

Absa Digi Loan

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

Downloaded 27 Sept 2026, 07:17. Effective from: Not stated.

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Minimum annual interest rate

Checked 11 Oct 2026

starting at 7.25% p.a

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

Downloaded 27 Sept 2026, 07:17. Effective from: Not stated.

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Maximum annual interest rate

Checked 11 Oct 2026

starting at 7.25% p.a

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

Downloaded 27 Sept 2026, 07:17. Effective from: Not stated.

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Rate qualifier

Checked 11 Oct 2026

starting at 7.25% p.a

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

Downloaded 27 Sept 2026, 07:17. Effective from: Not stated.

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APR

Checked 11 Oct 2026

APR) is 6.367%

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

Downloaded 27 Sept 2026, 07:17. Effective from: Not stated.

Where we found these terms Open supporting document

APR basis

Checked 11 Oct 2026

APR) is 6.367%

Document: Get a Digi Loan

Document section: Published product page

Website section: Let an Absa Loan help you start your story

Found via: Absa Bank (Mauritius) Limited → Sitemap → Get a student loan

Downloaded 27 Sept 2026, 07:17. Effective from: Not stated.

Where we found these terms Open supporting document

Product version 3 · 11 Oct 2026

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