Loan amount R

Payment Due Date

Total Repayment R

Payday loans

Sometimes you only need a small amount to help a person hold out until the principal amount of the salary is received. Instant payday loans no paperwork in South Africa is the best option. Now there is a simple and comfortable way to get the desired funds. Binixo can help you anytime!

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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Reasons to take a loan

It is worth taking a loan if you are sure of the following financial payments from your employer. This is normal if you need to borrow some money. Payday loans online will allow you to resolve all your current financial issues and calmly pay off all debts. This is a very convenient and easy way to get money. I will need to provide too much personal information or other data. With Binixo loans you can solve your problems and not disturb relatives or friends. Our service does not bother customers with constant calls or e-mails. We appreciate the time of our customers and did not bother them for nothing.

What are the advantages of instant payday loans?

You do not need to go to the office or banking organization. All the necessary actions can be performed online. Money can be obtained at a minimum percentage which is a very important and even key condition for every South African. Another advantage is no credit check. The fast clearance procedure and relative accessibility for all segments of the population is a key aspect for many users. You even don’t need to go outside your home!

Basic steps to get the loan

Provide the following information on the Binixo website:

  • Name and Surname. This is necessary for your verification;
  • Personal E-mail. Most of the information and a copy of the contract will be sent in this way;
  • Mobile phone number. Thanks to SMS messages you will receive all the necessary data on the loan.

System will automatically process the application and make a verdict on the loan. No more action is needed for a payday loans in South Africa.

Loan approval term

Binixo appreciates the time of each client. Typically, service decisions are made automatically in 15 minutes. In the period of the busiest system, you need 1-2 days to get financial loans. The system works as friendly as possible processes all applications automatically. Money is paid in 99% of cases. The system serves all customers as efficiently and reliably as possible.

Why should you use Binixo to get payday loans?

Many people are wondering what the advantage of Binixo over similar services is. First of all, this is a fully automated solution that allows you to get credit approval within 15 minutes. The service does not require customers to provide a huge amount of legal information and income statement. Get a loan can all people from 18 to 90 years.  You just need to have an SA ID number to get money. By specifying the basic information in a couple of clicks, you can count on the immediate payment of the required amount of funds.

How big payday loans are?

Binixo understands customers, therefore, provides instant payday loans from R 300 to R 9000 that can be obtained for a period of up to 65 days. It is very convenient and allows South Africans to pay off their debt after receiving a salary. The main feature is the low interest rate. You almost do not feel the problem with the payment of a microloan. All is in your hands. It’s your decision how much money do you need. Just sign the papers and get the loan.

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.