Loan amount R

Payment Due Date

Total Repayment R

24/7 lending

No checking documents or income at any time of the day

Convenient and easy

Choose the best offer and the way to receive money. Binixo will save you time looking for lenders on your own.

No commission

Binixo does not charge any fees. The selection of personal offers is free. We deal with trusted companies only

Get Loan

How to get a loan?


Choose the credit amount and term


Fill out an online application


Choose the best offer


Get confirmation and money

Online loans

Binixo is a service that allows you to quickly and easily find complete information about online loans, familiarize yourself with the terms of microfinance organizations presented on the site, and immediately get the most favorable loan.

Also you can get loans in other cities

As of now, South Africans undergo a few on-the-ground problems, in particular, connected with low salaries, their delays or even scam. Thus, it is a common practice that every fifth person thinks of borrowing some cash to provide a comfortable living for himself and his family. For such purposes, the credit market welcomes and further accommodates various online lenders that can solve the monetary challenges of applicants. Especially, it concerns fast credits that banks tend to shrink from while MFO’s encourage. To alleviate the borrowers’ choice of creditors, Binixo can help anyone to choose a loan with attractive and convenient conditions.

Basic Requirements

Before requesting loans, it is essential to have at hand some documents or comply with a few requirements. So, who is eligible for online loans in South Africa?

That’s it. Make sure to provide only valid information.

How to Apply for Online Loans SA?

The times when customers had to read endless instructions of registration or application processes recede into the background. Today, with several steps only, it is possible to enjoy the funds accredited to a bank account. To get online loans SA fast:

  1. Fill out a form located on the header of the site. Indicate full name, email, mobile number;
  2. Wait for redirection to the website of a creditor. Note, Binixo does not issue loans but only helps to find the right lender;
  3. Once redirected, confirm an application by indicating the requested information. A user should mention only valid and his own personal details otherwise he will be at great risk of being rejected;
  4. Wait for the remittance of funds. On average, transactions take one business day to send the money on a bank account.

In some cases, a creditor may ask for additional information. From the Binixo side, there are only time-proven and reliable lenders.

Who We Are?

It is essential to mention that we are not directly issuing any types of online loans SA but Binixo is only an intermediary between borrowers and lenders. From our side, we guarantee the offers only from the trusted NRC licensed companies. Most importantly, we do not charge any fees for the services, and only an applicant decides on the repayment terms, and interest rates. There is no sharing of personal data with third parties, and no one will need a person to explain the reasons for requesting loans.

Calculate Interest for Online Loans

Whenever a borrower thinks of getting Binixo loans, he should familiarize himself with calculations of interest rates. Note, they solely depend or range within creditors but the minimum rate is of 124%ARP and maximum of 212%ARP. For instance:

FAQs: What May Bother Potential Borrowers?

Usually, people who only think of cooperating with Binixo may get puzzled with too easy requirements, and mark the service as a suspicious one. No need to be surprised, such user-friendly application is designated to make South Africans lives easier and get loans online with no trouble. However, there are a few questions that may arise. For applicants’ acknowledgment, here is a list of common bothering matters regarding the loans:

Why lenders may require more documents?

It happens for many reasons and it is a formality allowing lenders to protect themselves. They may require more documents if one’s application causes doubts. In such a case, a person has to provide proof of income.

Can an applicant get an online loan with a bad credit history?

Yes, Binixo works with several lenders who issue online loans in South Africa for blacklisted borrowers. And, they undergo the same procedure for application.

How old should a person be to request a credit?

Eligible borrowers can apply only after reaching legal full age, 18 years. But, they should have a fixed income. Otherwise, the application will be rejected. Do not provide creditors with fake information. is neither banking nor lending institution per se. The information you share on this website is used for the sole purpose of recommending apt financiers from our network.

General requirements for borrower:
Person must be over 18 years of age and be a citizen of Republic of South Africa.

Loan interest:
Depending on the lender, interest rate can vary: per day from 0.02% to 0.2%, APR(annual percentage rate) from 10.5% to 71%.

Credit amount is R1000, credit term is 30 days, full payout amount is R1378.53.
These values ​​are approximate and may vary depending on the conditions of the lender

Consequences of Non Payments
When a borrower fails to repay the requested amount even due to different circumstances, there are anyway penalties that usually are mentioned in an agreement. Additional costs are the most common fine. In other cases, there are events when a credit company starts a lawsuit. Or, it may give the right to collect the debt to third parties.

Beware, if you delay repaying a debt, a company will calculate the penalty fee starting from the delay day until receiving a full amount. And, if there are such situations, they negatively affect the borrower’s credit history. If applying for a new loan, he may get a rejection.

When choosing the amount to apply for, select the one matching your paying capacity. So, there will be no delays in repayment;
a loan is an exceptional service that should be used only in urgent cases. Otherwise, a person may be stuck with plenty of debts;
inform family members. There should be no surprises for them in case you fail to repay it.
Let them know about the purpose why you applied for credit, about the extra fees and the due date;
keep in mind that the borrowed amount is followed by the interest and commission. Thus, when the time to return a debt comes, prepare a full mentioned by lender amount.
Binixo Africa will help to find the credit company with the best conditions, and repayment terms.