Rating based on 95 reviews

Just Affordable Loans

  • Simple & affordable loans
  • Bad credit friendly
  • Repayment up to 60 months

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Just Affordable Loans homepage
Author Just Affordable Loans. Screenshot of Just Affordable Loans website.
[Accessed December 9, 2022]

About Just Affordable Loans

The thing which makes our personal loans special is the speed that we provide them with.

We're super fast to respond to queries

We have made the assessment process the shortest process you can get in South Africa, so we are ready with a reply in no time. You have high chances of approval even if you have a bad credit history or a low credit rating.

Simple, affordable & easy to repay

We have been in the financial business for over 10 years and our experience allows us to deliver only the best online loans in South Africa at the very lowest prices. Our interest rates are very competitive and our repayment terms are versatile and flexible.

Just Affordable Loans Services

It is easy to get the perfect loan with Just Affordable Loans. We offer all types of personal cash loans from short term loans to loans aimed at resolving your financial emergency situations.

We welcome applications from all South Africans including those who have a poor credit rating and those who got blacklisted and don’t know where else to turn.

We make things really simple

Once you make an application with us, we will contact you within 2 hours to let you know if your loan application has been approved or not We do not have any upfront fees for any applicants including blacklisted ones. We do not charge a percentage of your loan amount as commission and it is completely free to apply. Our service is transparent and perfectly trustworthy.

Just Affordable Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Repayment 3 months to 60 months
  • Decision 2 hours

Benefits of Just Affordable Loans

  • Fast service
  • Responsible lenders
  • Secure transactions
  • Bad credit friendly lending 

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.

Just Affordable Loans - We supply a speedy and convenient bad credit loan service

Many South Africans have bad credit which prevents them from borrowing from the local banks.

At the same time, there are various alternatives which you can consider if you are in this situation. Read this Just Affordable Loans to find out if the bad credit loan of this lender can be an effective solution for you.

A friendly loan service

Just Affordable Loans is a small company specialising in assisting consumers with securing personal finance. We operate nationwide and offer a streamline loan application service.

We are dedicated to working with people who have bad credit as well as with those who have a clean credit record. You can expect speedy, friendly, professional service in every respect.

Get an outcome within 2 hours

The cash can be in your account by the next day and possibly on the same day depending on your bank. The bad credit loans offered by Just Affordable Loans come from a variety of different lenders. Our company gives you the opportunity to make a single application which will be processed on your behalf. This saves you time and effort and increases your chances of securing a loan.

Furthermore, your credit score will not be adversely affected. It is important to note that this service is completely free of charge and obligation free as well.

Our company specialises in the provision of long-term personal loans to those individuals that are blacklisted or have a very bad credit report and a low credit score that prevents them from obtaining financing anywhere else.

Larger personal loans for blacklisted clients

You will be able to get a quick loan online from R1,000 to as much as R100,000. This would be a sufficient amount of cash for home renovation, for financing the purchase of a car or for paying your children's university tuition fees.

You can readily choose how much to borrow, but you have to keep in mind that the lender will set a cap based on your current income and debt and never lend you more than you are able to afford.

Customer Reviews & Testimonials

May 2019

Applying for the Just Affordable Loans credit plan was easy and hassle free.

Kevin S
— Johannesburg —

June 2019

The agents at Just Affordable Loans are helpful and go out of their way to ensure that you get the best possible credit offer.

Magda H
— Vereeniging —

Just Affordable Loans Contact

Physical Address

  • 377 Govan Mbeki Avenue Port Elizabeth Eastern Cape 6001 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed