Rating based on 65 reviews

Ayoba Loans


  • Low-income loans
  • Low-interest up to 28%
  • Repayment up to 60 months

In-page navigation

Ayoba Loans homepage

Author Ayoba Loans. Screenshot of Ayoba Loans website. [Accessed April 5, 2018]

About Ayoba Loans

Ayoba Loans is your best solution to obtaining a fast cash loan when you are blacklisted or have a low credit score.

Our personal loans are easy to apply for through our online-based platform, simply complete the application form and you will be one step closer to receiving your cash.

Competitive rated unsecured loans

Our loans are flexible and require no asset as collateral to secure your loan. Your personal information that you provide is kept secure by the latest technology and data privacy procedures. There is no chance that your data will be hacked or sold.

Our service offers the best quality loan products at the best prices while our staff of experts ensures a top service delivery level that keeps our clients smiling and satisfied through the entire loan process. Ayoba loans say yes more often, so our applicants are less disappointed. Even if they have had their loan applications declined by other lenders we are able to secure them the loan that they need. There is no need to provide collateral to secure a loan with us.

Fastest loan processing power

Through innovative technology, we have simplified the loan application process and sped it up so that there is no unnecessary waiting around to have your loan approved or for a cash payout. Apply today and have cash in your bank account by tomorrow.

Ayoba Loans Services

Apply for cash loans of up to the amount of R250 000.

We provide easy steps, simple to use platforms and quick turnaround times to ensure you never have to wait to get your loan again.

Loan approval for those with bad credit

Our unique EFT process allows you to get cash paid into your bank account very quickly. We are fast becoming the people’s choice when it comes to getting you the blacklisted loan that you need. Missing a payment or being in arrears on your accounts can mark you as credit risk for many lenders and banks and this may mean that your loan application is declined. We do not discriminate against those with bad credit.

We access your loan application differently?

At Ayoba, we don’t only look at your credit score, we take a look at your affordability and not only your ITC score so you have a much better chance of having your loan application approved. To qualify is as simple as being 18 years old. You will need to be permanently employed. You will need to earn a salary and demonstrate that you can afford to repay the instalments required on the loan.

Obtain a loan easily through Ayoba

We care about your financial well-being so we don’t mind going the extra mile to help you get what you need. Our years of experience in the lending business have defined our capabilities; we are experts at finding you a loan when no one else can.

Ayoba Loans Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate up to 28%
  • Repayment 3 months to 60 months

Benefits of Ayoba Loans

  • The easiest online application
  • Low-income friendly loans
  • Quick response time
  • Affordable repayments

Bad credit loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Ayoba loans is a specialist in offering personal loans to clients who are blacklisted

At Ayoba Loans we understand that getting a personal loan can sometimes be a time consuming chore that is made even more difficult if you are blacklisted.

We often avoid the technical side of the application process and just settle with the first lender we come across. This leads us to pay more in interest fees and in many cases caused undue stress.

Fast online cash pay outs

Some lenders require you to visit the loan office in person and go back two or three times to finally get confirmation on the loan. This wastes a lot of time and if they say no, you are back where you started with even less time to sort out a financial solution.

Clients can access cash in as little as 48 hours. The cash will be deposited directly into their bank account, by simply applying online through our website.

To qualify for one of our loans, all you need is:

  • A South African ID book or barcoded ID book- only SA citizens can apply
  • A valid banking account – as this will be used to debit your instalments
  • A salary of no less than R3 000 per month – you may need to supply a recent salary slip

We usually have positive outcomes for most of our loan applications; however, there may be factors that will cause your application.

Applications could be declined due to the following:

  • If you are not viewed as able to afford the monthly instalments on the loan
  • If you are under debt review or debt administration

These are usually the only criteria that will put a hold on your application for a bad credit loan. If you meet the other qualifying criteria, you should be good to go!

Regulated and responsible lenders

We work in line with the National Credit Act of South Africa and all our lenders that offer online loans comply with the standard set out by the act.

Our lenders are responsible and will not lend you more than what you can afford to re-pay comfortably, If we determine that you can’t afford the amount that you would like, we could still approve you for a lesser amount that is more manageable to repay.

How much can I borrow?

Most of our lenders allow you to borrow up to the amount of R250 000 depending on how much you earn and what your expenses are each month.

Customer Reviews & Testimonials

April 2019

Ayoba Loans has always given me affordable loans!

Zelda L
— Parys —

May 2019

After applying for an Ayoba Loan, I had to wait for only an hour to get the funds transferred into my bank account.

Patricia H
— Parktown —

Ayoba Loans Contact

Physical Address

Opening Hours

  • not available