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Loans for Blacklisted

It is a common practice in South Africa when potential borrowers cannot apply for a loan because they have a bad credit history. Thus, they are deprived of additional monetary aid and look for other ways to have some cash. Binixo helps such applicants, but it is only an intermediary between the clients and online lenders. It provides a wide range of creditors who offer loans for blacklisted people.

Why us?

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

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

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Who Can Join Blacklisted Group?

All the clients who have recently violated the agreements with creditors or the ones who never follow a repayment period are at the risk of having their names in a blacklist. Banks do not want to cooperate with them. Thus, a struggle to have some cash is real like never before. As of now, no need to write it off as lost, Binixo offers various solutions such as microloans and credits with less documentation.

How to Request Such Blacklisted Loans?

It all starts with filling an application form that does not take longer than 15 minutes. The top of the Binixo website has designated fields where an applicant should indicate his full name, email, and valid mobile number. After completing it, he will be redirected to the creditor site, where again he should confirm the details. Note, all the borrowers may rest assured knowing that Binixo works only with quick and licensed NRC creditors. But, it does not directly issue the loans. After that, all a person has to do is to confirm his application for cash loans. In some events, clients might need to attach some more documents or data. But, it should be obligatorily valid and indicated with no mistakes. Otherwise, the request will be canceled. After successful confirmation, the loans blacklisted funds will be accredited to the bank card within one business day.

Benefits of Loans for Blacklisted in South Africa

Such credits along with debt review loans are very popular within unemployed applicants. They have particular pros that attract people whenever they apply for blacklisted loans for the first time:
  • Fast application. It takes only 15 minutes to proceed with a request;
  • High probability of approval. More than 95% of the requests are approved.
The same as pros, a client may find some cons that are important to acknowledge when signing the agreement.

Disadvantages of Urgent Loans for Blacklisted

Binixo never hides the fact that some lenders have hidden rules or penalties. For that purpose, it encourages everyone to read the agreement of blacklisted loans precisely and only after sign it.
  • Penalties. If failing to discharge debt on time, a creditor may apply penalties;
  • High interest rate. Compared to bank credits, online lenders fix high interest.
Nevertheless, online creditors are the only option for people who have previously violated the terms and conditions. Besides, with them, everyone can go for payday loans or other life-saving options.

Frequently Asked Questions

Are you blacklisted and need a loan urgently? Do not beg banks to accept you, it is useless. Nowadays, online lenders are helpful services for those who still seek a chance to get some cash. For clients’ convenience, here is a list of FAQs that everyone needs to read.
How to repay a loan?
It depends solely on the creditor. But, it is possible to do via a personal profile on the company’s website.
Is it possible to repay a SA loan preliminary?
Yes, it is. Contact the customer support team of the company and get to know the details.
What is necessary to take for blacklisted loans?
All needed requirements are national and valid ID, full age, and constant income along with bank card.
What is the interest?
Again, it depends on the creditor but on average the minimum is APR 124% and a maximum of 212%. You can calculate it anytime with designated tools located on the home page of creditors.
Are there any hidden fees in loans for blacklisted?
Binixo does not charge any fees for the services. It has a profit from ads. [faq_wrapper][faq_question title="Are pensioners eligible for loans?"] Yes, there are loans for pensioners as well.

How to get a loan?


Indicate the amount and term


Fill out an online application


Choose the best offer


Get confirmation and money 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.