Loan amount R

Payment Due Date

Total Repayment R

Small loans

There are many situations where you need to quickly get small loans. There may be many reasons for this. Bank structures require a lot of documents for loan approval. The service allows you to get the necessary amount of money as quickly as possible. The borrower must be of legal age and have identification documents. The procedure takes place in an online format and the money is transferred to the client card.

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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Small loan procedure

In order to get small loans in South Africa, you must perform several steps:

  • Open the site and fill in the appropriate online form. You will spend only a couple of minutes of your time.
  • Wait while the system processes your application. You will receive the result in SMS notification or by e-mail.
  • The money will be transferred to your card automatically if the loan is approved. In 99% of cases, we give loans to all trustworthy customers. You do not have to worry about the result.

Users need to have an SA ID number and a valid bank card to receive a cash transaction. The loan is issued only to adults aged 18 to 90 years. You will also need to specify your contact phone number and email. No further information is required. The system automatically processes each application. The decision is made on the basis of many factors. Most South Africans can expect a positive result. The main thing is to provide the necessary list of data.

The obvious advantages of

The main advantage of this small credit is the minimum commission. We set it at 0.01%. The decision on crediting is made automatically in a few minutes. To obtain the necessary amount you do not have to leave home. The money will be transferred to your card. All credit conditions are listed on the site. There are no hidden fees or additional conditions. Our service protects customer data and does not transfer them to third parties.

This service is as informative as possible and provides honest information about the lending procedure. You can get the necessary amount of money on the most honest conditions. No need to go to the bank and wait for hours for your turn. We do not force you to give us all legal data and credit history. The whole procedure is as simple as possible so as not to waste your time. Just a few minutes and you can become the owner of the required amount of money. Everything is simple and convenient for each user.

How to get a loan?


Choose the credit 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.