Loan amount R

Payment Due Date

Total Repayment R

Online Loans No Paperwork

It is a common situation in South Africa when banks reject any applications from people who cannot provide them with one document only. The most frustrating thing is that this document can be a certificate of employment once an applicant is self-employed. Such an occurrence is very hard to deal with but there are still some options. Binixo is an intermediary between online lenders and borrowers, and it can help to find the best no paperwork loans without charging for its services.

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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What Are the Requirements to Get a Loan?

No need to be scared of another rejection, let banks be the only party that plays on people’s nerves. Online lenders understand that situations can be different and they are not so interested in asking much documentation. As of now, to be eligible for online loans in South Africa no document required, it is more than enough to follow the next rules:

  • To be older than 18 years;
  • To have a constant income (it can be earned money from self-employment);
  • To have a SA ID, and banking account or card.

That’s it. And, a person can rest assured knowing that no one cares about his purposes of requesting one or another credit, for instance, the same requirements are applicable to no payslip loans that are constantly rejected in banks.

Loans No Paperwork Instant Cash? How to Apply

Binixo can basically do all the steps for their clients but some data should be provided in advance. The first step will concern an application form for no paperwork loans, thus it is necessary to avoid making mistakes:

  • Fill in a quick application form in the designated header at the Binixo site. Indicate a full name, email, and mobile number;
  • Redirect to the creditor;
  • Confirm the application. On the creditor’s site, an applicant should confirm his consent. In some cases, he should indicate personal information one more time or add some more details. Note, all the needed details should be related to a borrower only. If he manages to attach fake information or make a mistake, the request will be canceled.

After all these steps, the money is transferred on the bank account, and a borrower should remember about the repayment terms.

Recommendations for New Applicants

It is crucial to always remember that payday loans for blacklisted no paperwork should be discharged on time. One simple delay and an applicant has a negative credit history, penalties, and increased interest rate. Then, do never neglect the proper reading of the agreement because there may be hidden pitfalls concerning fast loans or information about penalties, and the repayment period.

Finally, it is not recommended to apply for loans that are over 30-40% of one’s family or personal budget. It will make hard discharging the debt and lead to the acquisition of new credits such as loans for unemployed, for example.

Get to Know More With FAQs

How many times have people rejected the thoughts about loans with no documents required because of a fear of facing fraud? Such events are common and no one is protected from them. However, forehanded awareness may save someone’s time and money. For clients’ convenience, please check the next FAQs to get to know more about moneylending.

What is Binixo?

It is a credit broker aimed to help borrowers find lenders with the best terms and conditions. It works only with NCR licensed companies and guarantees the safety of data and instant cash.

Does Binixo charge money for the services?

No, the services are completely free of charge.

Can you get an urgent loan in cash?

Yes. Moreover, it works on developing this option in many cities in South Africa. Once, an applicant needs to take an urgent cash loan, Binixo will help to cope with this task within a few moments.

What is the repayment period?

It only depends on the selected creditor. In most cases, it is from 5 days up to 3 months.

Why can you be rejected?

It happens for many reasons. The main one is when clients apply for an instant loan but indicate invalid data or make mistakes.

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.