Loans for bad credit

Are you blacklisted or have a bad credit history and you are in need of a loan?Look no further.We can assist youas we know such issues can be a major stumbling block in getting any form of credit.Our service is paperless- quick and you receive feedback within 30min of your application being submitted.Our repayments are affordable.

What we need from you:

  1. Proof or employment
  2. Bank Statement
  3. SA ID book
Loans for bad credit

Loans for bad credit



Better Life Personal Loans

Applyinh for a personal should not be a hassle.It must be quick and easy.There are no restrictions on how you use your personal loan. The money is deposited directly into your bank account and you can use this money how you choose.Loans range from R4 000 to R150 000 in increments of R1 000. The amount you qualify for is based on your personal financial circumstances and subject to credit approval.

What we need from you:

  • You will need your ID Number and the details of the bank account into which your salary is paid.
  • You need clear credit references and a regular monthly income of at least R3000.
  • You will need proof of residence and a clear copy of your SA Identity Document in terms of FICA and proof of income, even if you are self-employed.
Better Life Personal Loans

Better Life Personal Loans


Finbond Micro Finance

If you are looking for a fast, easy, flexible short term loan up to R7000, then the Finbond Micro Loan is ideal for you.
Finbond personal finance and microfinance is available to anyone that does not have bad credit. Borrowing money from a financial provider means that you are going to pay back what you borrowed, plus interest, with no hassles. Fin Bond is a well known company that people borrow money from, and they are well known and often used because they charge a low interest rate and are reasonable when it comes to who they lend to. If you have a bad credit rating, they will more than likely not borrow to you, so you have to make sure that your rating is good before you deal with them.

Finbond offers short term [30 day - 90 day] cash loans and medium term [6 month] cash loans. Finbond’s personal cash loans range from R100 – R7 000 and are regarded as general-purpose loans. The application process is simple and very fast with a turn-around time of approximately 1 hour for in branch loans. For internet loans turn-around time is approximately 5 days.


Benefits of a Finbond Micro Loan include:
·Immediate cash pay outs
No security needed
Repayment options from 30 days to 24 months
What you need to apply:
ID Book
3 month bank statements
Latest pay slip
Proof of address

Head Office

Finbond Group Limited™

Tel: + 27 12 460 7288
086 134 62663
Fax: + 27 12 460 7285
+ 27 12 460 9256

Credit check at Money Market counters in Shoprite and Checkers

Getting your Kudough Credit Report has never been easier. Go to a Shoprite, Checkers or Checkers Hyper Money Market Counter with your bar coded Identity book, proof residence and R69.00  to get your 3 Bureau Kudough Credit Report.

With an agreement with Kudough Credit Solutions, which supply credit reports at the Money Market counters in Shoprite and Checkers stores. This service, which will enable people to check their credit status, will be officially announced later this month.

Shoprite Checkers has already been registered with the Financial Services Board as a supplier of financial services. Its Money Market has since 1998 provided various financial services and in 2006 it started a money-transfer service in association with Capitec Bank.

It also offers various insurance products and home loans; and funeral policies and municipal accounts can be paid at Money Market counters.

Check your Credit Status here

Loan Agreement Form

The following form is a basic loan agreement form between a lender and a borrower. You are free to edit/modify this template according to your requirements.
Download form here

Old Mutual Personal Loans

Funds are made available within minutes of your application for you to spend as you wish without needing to worry about providing spending plans and progress reports before approval is given.

Minimum term of 3 months.Maximum term of 36 months.Qualify for up to R50 000.Fixed interest rate at the time of the application.You need to be employed for at least 3 months at the same employer.The interest rate applied will be determined by your credit score.Only individuals can apply for a loan.You must be older than 18 years of age.

You need to be a resident of South Africa.You must have a valid South African ID document (Green, bar coded, 13 digit).You must provide a current payslip no older than 1 month.You need to provide a consecutive bank statement for the last 3 mont


    Please Contact your Old mutual Financial Adviser/ Broker or Old mutual Direct in order to apply. Turnaround time is approx 10 working days.

Download the application form

RCS Personal Loans

The RCS Group is an financial independent company which offers individuals a variety of loans including personal loans, home loans, insurance, private label and retail credit cards.

Who may apply for such a loan?

RCS personal loans range from between R1000 to R50 000 and individuals between the ages of 21 and 65, who is permanently employed, and earning at least R2000 per month can apply.

Back up and quality service guaranteed

The RCS Group was established during 1999 by two business giants namely, Standard Bank with 45% shares and Foschini Group with 55% shares, and therefore financial expertise and customer service backup is guaranteed for your RCS personal loans; RCS is also listed on the Johannesburg Stock Exchange (JSE).

How do I go about applying for such a loan?

It really is as simply as filling out an online application from the RCS main website. Simply fill in the form with accurate information and a customer service advisor will contact you within 48 hours to complete the transaction. A real time credit check facility is available which automatically provides information regarding your current credit ranking, and whether or not you qualify for the loan amount.

Because client’s interest is taken to heart, the service agent will need to discuss your current expenses and how much you can afford to pay on a new loan. With this information a feasible approved loan amount will be provided; individuals must be truthful as most of your current credit liabilities and info will appear on the credit bureau listing.

Loan period and interest rates

The repayment on your loan will vary from between 12 to 60 months and the interest will be charged accordingly. Being an independent financial credit provider, individuals should note that the interest rates charges will most probably be higher than the personal loans provided by conventional banks. RCS personal loans are unsecured loans which also mean that no collateral or securities from the individual is required, and therefore motivates the higher interest rates charged and smaller loan amounts offered compared to secured loans.

Standard Bank Funeral Plan

Get the Standard Bank Family FuneralPlan with cover of up to R50,000 from as little as R2.37 per day. Plus also get emergency ambulance services, 20% off doctor’s consultations, R1,200 grocery benefit and a whole lot more at no extra cost.

Nedbank USSD Code for Mobile Banking

Dial *120*001#  for Nedbank Mobile Banking

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