Rating based on 21 reviews

Binixo Loans

  • Bad credit loans up to R9,000
  • Low-interest starting from 10.5%
  • Repayment up to 65 days

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Author Binixo Loans. Screenshot of Binixo Loans website.
[Accessed December 9, 2022]

About Binixo Loans

Binixo brings you simple bad credit loans that can be used for anything.

All transactions are 100% online and you can complete an application in just minutes. While Binixo doesn’t directly issue personal or bad credit loans, they act as an intermediary that accepts your loan application and helps you find suitable lenders.

They’re a middle man between lenders and borrowers. Since they act as the intermediary, they don't decide what interest rates and fees you’re offered, or if you’re even approved for a loan. Their services are completely free to you, the borrower. 

1 in every 5 people needs to take out some sort of loan and Binixo's ready to make it happen for them, even if they have bad credit.

Binixo is a responsible lender you can rely on

Binixo's panel of lenders are registered with the National Credit Regulator and are among the most reliable in the country.

Binixo will never share or sell your information to third parties. Your privacy is important to them, and they’ll never ask you why you’re taking out a short-term loan online.

A quick and simple application process

Some clients are taken aback by just how simple Binixo's online loan application process is and wonder why this broker is so different from their competitors.

This is because they’ve made it entirely digital and lenders can gain access to relevant information online. All they need is your name and identification number. This ensures a simple and quick process.

Binixo Loans Services

Binixo's services are available 24/7 making it easy for you to obtain a loan whenever you need it.

This is made possible by their online platform that serves customers with simplicity and complete privacy. Binixo makes it convenient and easy for you to secure a quick loan online, even if you have bad credit.

They do all the work and save you a great deal of time. You don’t have to seek lenders that will approve your application, they deliver them to you. 

How to apply for a bad credit loan

Applying for a loan with Binixo is done in just four easy steps. Firstly, you'll need to choose the term of the loan and the credit amount.

Secondly, you’ll fill out the online loan application form, which includes your name, surname, email, and phone number. Thirdly, wait for confirmation that Binixo has received your application and review their list of offers. 

Finally, you'll be required to choose the best option among all the offers you receive and sign the loan agreement to secure it.

Your loan amount can be R300 up to R9000, and you can select a term of up to 65 days within which to repay it.

Serving you in the best way possible

Binixo charges you no fees but may make a commission from the lender that you take a bad credit loan out with. They deal with trusted companies that are always keen on generating new business. 

This is why they've made it their job to accommodate even those that are blacklisted and have been rejected by banks and mainstream lenders. Binixo welcomes you to their platform and will do their best to ensure that you find exactly what you're looking for.

Binixo Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 10.571% p/a
  • Loan Amount up to R9,000
  • Repayment 4 days to 65 days
  • Decision Same day

Benefits of Binixo Loans

  • Bad credit loans of up to R9000
  • Easy online application
  • 24/7 lending
  • No commission charged
  • Simple repayments between 4 and 65 days

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Accessing leading lenders and loans with Binixo

Binixo is a simple, effective, and efficient intermediary that aims to bring you the best loan options from their many trusted lenders - ready to make your life simpler.

They aim to bring each and every client quality results and only offer them the best lenders to suit their needs. Binixo also offers general financial advice to help people understand their finances and credit better.

Basic requirements for a bad credit loan

  • Your South African ID
  • Proof of address
  • A valid bank account in your name
  • You’ll need to be over the age of 18 
  • You’ll need to be employed or have a stable income

When submitting these documents, make sure they’re still valid. 

Why you should choose Binixo

  • They offer many things that other companies can't, including loans for blacklisted people
  • They charge no fees
  • They’re available 24/7
  • Because they operate online, they take no breaks and no days off
  • They don’t hide any information from lenders or borrowers and this has made it possible for them to gain the trust of both
  • Their consultants ensure clients are kept up to date
  • They include their clients in the process from beginning to end

Customer Reviews & Testimonials

June 2020

I much prefer using a broker, thanks Binixo

Rachel E
— Polokwane —

July 2019

I thought the process would be more daunting but it was really easy

Mpho V
— Grahamstown —

May 2019

I am very pleased with my results

Ruan O
— Port Elizabeth —

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