Rating based on 4 reviews



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

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Author Binixo. Screenshot of Binixo website. [Accessed June 8, 2020]

About Binixo

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 we don’t directly issue personal or bad credit loans, we act as an intermediary that accepts your loan application and helps you find suitable lenders.

We’re a middle man between lenders and borrowers. Since we act as the intermediary, we do not decide what interest rates and fees you’re offered, or if you’re even approved for a loan. Our services are completely free to you, the borrower. 

1 in every 5 people need to take out some sort of loan and we’re here to make it happen for them, even if they have bad credit.

We’re a responsible lender you can rely on

Our 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 with third parties. Your privacy is important to us, and we’ll never ask you why you’re taking out a short-term loan.

An application process that’s quick and simple

Some clients are taken aback by just how simple our online loan application process is and just have to ask us why we’re so different to our competitors.

This is because we’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 Services

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

This is made possible by our online platform that serves customers with simplicity and complete privacy. Binixo makes it convenient and easy for you to secure a quick loan, even if you have bad credit. We do all the work and save you a great deal of time. You don’t have to seek lenders that will approve your application, we deliver them to you. 

How to apply for a bad credit loan

Applying for a loan with us is done in just four easy steps. Firstly, you will 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 we’ve received your application and our list of offers. 

Finally, you will 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 get a term of up to 65 days to repay it.

Serving you in the best way we can

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

This is why we’ve made it our job to accommodate even those that are blacklisted and have been rejected by banks and mainstream lenders. We welcome you to our platform, and we hope that you find exactly what you're looking for.

Binixo 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

  • 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 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.

The best - brought to you by Binixo

We’re a simple, effective, and efficient intermediary that aims to bring you the best loan options from our many trusted lenders-here to make your life simpler.

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

Basic requirements for a bad credit loan

  • There are just a few things that we need from you when applying. 
  • Your South African ID
  • Proof of address
  • A valid bank account that’s 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 us

  • We offer many things that other companies can't, including loans for blacklisted people. 
  • We charge no fees
  • We’re available 24/7
  • Because we’re online, we’ve no breaks and no days off
  • We don’t hide any information from lenders or borrowers and this has made it possible for us to gain the trust of both
  • Our consultants ensure our clients are kept up to date
  • We include our 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 —

Binixo Contact

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