Loan amount R

Payment Due Date

Total Repayment R

Loans for self employed

Many people are self-employed. Sometimes there are situations when you need fast money. Not every bank is ready to give a microcredit to a person without formal employment. Binixo is an online service that provides loans for self employed people without the need to provide various documents and certificates of income. All necessary payments are made to a bank card. It is very convenient for each user.

Easy SA loans for self employed persons

Getting a microloan is as quickly and easily as possible for all South African users.

  • Visit Binixo website and fill out a quick online form. Friendly interface and tips will help to do it in just a few mouse clicks.
  • Wait the solution from the Binixo All results come within a certain amount of time by SMS or email. The answer does not take more than 5-10 minutes.
  • After that, you can get your money and dispose of it at your discretion. All money comes to the bank card. All South African users who want to get a loan must have a SA ID number, valid phone and email and a valid bank card. 123 serves all customers between the ages of 18 and 90 years.

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

No commission

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

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Benefits of self employed loans South Africa

The advantages of this service are obvious. Money can be obtained instantly without leaving home. The first loan will cost only 0,01% and is made out in a few minutes. The minimum interest rate contributes to the huge popularity of this service. All financial transactions are as secure as possible. Your data remains safe and sound. It is very important to maintain commercial secrets. Solve all your problems together with Binixo in just a couple of minutes.

How to get a loan?


Indicate the amount and term


Fill out an online application


Choose the best offer


Get confirmation and money

Also you can get loans in other cities 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.