Rating based on 6 reviews


  • Flexibleloan amount
  • Low interest loans
  • Affordable repayment terms

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Ooba homepage
Author Ooba. Screenshot of Ooba website.
[Accessed February 8, 2022]

About Ooba

You can own the home of your dreams even if you have a bad credit history.

Ooba is trusted by thousands of homeowners throughout South Africa. They are experts in the field when it comes to home loans for bad credit. You will be opening the doors to a secure financial solution. Ooba is the expert choice when it comes to loans.

The best loans for bad credit

Solid relationships are built with every client, with a fully dedicated service. They have strong relationships with leading banks like Nedbank, ABSA, Standard Bank, FNB, HIP, RMB, Investec, and Mercantile Bank, to provide you with the best loans for bad credit. This allows them to bring you the lowest interest rates and the best terms and conditions there is to offer. They also teach you by helping you gain knowledge and assist you in making an informed bad credit loan decision.

You can expect full support from Ooba

They promise to support you when it comes to finding your desired home. Ooba is different because they help to empower South African citizens to own the home of their dreams by offering them the best loans for bad credit. Let them help you make your loan experience hassle-free and perfect.

Reasons why you should choose Ooba

They will assist you with your loan for bad credit application from start to finish. One application can be used to apply at multiple banks. You will be provided with a variety of quotes to choose from, and the rates that can be negotiated if necessary. It will make it possible for you to also enjoy simple and straightforward repayment methods.

Ooba Services

Ooba is an authorized financial provider when it comes to loans for bad credit.

They are a fast-growing company that continues to grow, so success is guaranteed. The service that you will receive is free of charge.

Professional service that suits your needs

Get in touch with their friendly team that will offer professional service which is based entirely on your needs and requirements. You are guaranteed to get the best quality assistance from their office's staff, the website, or their call center consultants. Their service ensures that you will receive the best loan for bad credit and help you to make an informed decision.

A home loan calculator tool

Ooba aims to empower you, by offering affordability tools like loans for bad credit calculators. The calculator tool can assist you by finding out how much you can afford to spend. They will also equip you with a pre-qualification certificate that informs you how much you may borrow and shows that you are a serious buyer when it comes to buying a new home. Improve your financial record with their help and be assisted when it comes to financial decisions.

Get the best loans for bad credit

The consultant will do comparison shopping on your behalf. This will save you time, money, and effort. Be assured to get an attractive deal with even better terms and conditions. Their professional and helpful service and assistance will be a benefit for any client that applies for a loan for bad credit with them.

Ooba – Bad credit loan

  • Loan Type Bad credit loans

Benefits of Ooba

  • Affordable loan repayments
  • No hidden costs
  • Free online application

Bad credit loan 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 quick loans calculator is subject to our terms of use.

Ooba provides you with expert assistance

They are experts in what they do and will assist you through the whole process of finding a home loan even if you have bad credit.

You can be assured they will work their hardest to get a loan for bad credit. Ooba will do their best to get approval for your loan in no time.

Follow these easy steps to apply

Step 1

On their website, you can fill in all your personal details, the loan amount you need, your monthly income, expenses, and employment status.

Step 2

Once you receive the pre-approved certificate from them and make sure you attach a copy. This will help to establish your credit rating

Step 3

Compare the quotes from multiple banks.

Step 4

Once you are approved, you can make a decision and have the home of your dreams.

Tips when you apply for a bad credit home loan

  • Find out more about the bank's policies.
  • Check what is the amount of the loan for bad credit that you can qualify for.
  • Request a credit score.
  • Make sure that you can afford to pay back your loan.

Benefits that you will gain from Ooba

  • They will assist you with a bad credit loan online.
  • Save money by paying lower interest rates.
  • Personalized and friendly customer service tailored to your needs.
  • You will be offered the best expert advice.
  • Quotes from a variety of banks.

Get in touch with them today and get the perfect bad credit loan options to suit your requirements. Discuss the type of bad credit loan that you need with one of their friendly helpful consultants and let them do the work to find a perfect match. Get the best bad credit loan for the home of your choice today by letting Ooba help you.

man holding thumbs up

Ooba is a trusted & reliable provider of bad credit loans

In our review, Ooba adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

Ooba is a registered credit provider in South Africa: FSP 216

Customer Reviews & Testimonials

September 2021

Thank you so much for the extra work that you put in, negotiating a good interest rate and the consultant communication. You are experts in what you do.

Cindy D
— Cape town —

October 2021

I am super-impressed with the staff I dealt with at Ooba. I strongly recommend them to anyone. Efficiency and friendliness at their best! Thank you, Ooba.

Philip P
— Sandton —

September 2021

Thank you for your enthusiasm, communication skills and professional demeanour in helping me. You were so reliable and dedicated.

Anna M
— Port Elizabeth —

Ooba Contact

Contact Number


  • not available


Physical Address

  • 8th Floor, Ooba House 33 Bree Street Cape Town Western Cape 8000 South Africa
  • Get Directions

Postal Address

  • PO Box 1535 , Cape Town , 8000, South Africa

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 17:00
  • Sunday – Closed