Rating based on 4 reviews



  • Personal loans bad credit up to R9,000
  • Convenient lending
  • Repayment up to 64 days

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Binixo homepage

Author Binixo. Screenshot of Binixo website. [Accessed February 2, 2021]

About Binixo

Binixo was established in 2017 and has since served as the most reliable loan brokers in South Africa.

We have branches in more than 10 countries and have gained popularity and earned the trust of clients and credit partners across the world.

What Binixo strives to achieve

Binixo meets the requirements of clients on a daily basis.

We’ve never failed to deliver the best support and have a set of rules and goals that we always strive to fulfil.

Our main goal is to help every customer find offers from the country’s best lenders.

Our goals include:

To give our clients an expert evaluation of the African credit market.

To tell customers what the requirements of each lender is and deliver accurate information about their penalties.

To help customers make the best decisions when looking for personal and bad credit loans. To educate customers on what clauses of an agreement to pay attention to.

Benefits of using Binixo

Our loan finding services are free of charge. We can answer all your questions 24 hours a day, 7 days a week.

There are many people out there who need our help. Binixo ensures that all the clients are knowledgeable about the application process and know how to find the right personal loans for their needs.

We use the latest technology to update our database of lenders and will help you get approved within minutes.

Binixo Services

Being blacklisted and unable to get a loan like other people can be devastating. But we’re here to help.

When you’re blacklisted, you become an outcast. Many lenders don’t even look at your application. Binixo helps by providing you with a wide range of creditors who offer loans for blacklisted people.

Who can apply for a personal loans for bad credit

You can apply for a blacklisted loan if you’ve violated agreements with creditors by failing to follow the repayment schedules or not making repayments in full.

Failing to repay loans will decrease your credit rating and you’ll be declared unfit to apply for further credit.

The benefits of blacklisted loans

These loans are very popular for those who have been through financial difficulties but have gotten back on their feet.

You chances of approval for a personal loan for bad credit is much higher than for other types of loans.

The interest rate and how this will be affected

The interest rate differs from lender to lender. However, it should not exceed the maximum. The minimum APR is 124% and the maximum is 212%.

How to make an application for credit

It's so easy to request a blacklisted loan at Binixo because we work with registered credit providers.

When you fill in our application form you should be as truthful as possible. And in some cases, you will be required to attach more documents and data. And the loans blacklisted funds will be accredited to the bank card within one business day.

Binixo – Personal loan bad credit

  • Loan Type Personal loans bad credit
  • Loan Amount up to R9,000
  • Repayment 4 days to 64 days

Benefits of Binixo

  • Online loans up to R9000
  • Apply for a loan 24/7
  • Convenient and easy lending

Personal loan bad credit 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.

A simple, straightforward application at Binixo

We’re a broker that allows you to quickly and easily find complete information about online loans.

If you need a quick, affordable and flexible bad credit loan, look further, Binixo will help you get it. When you use Binixo to look for a loan, you can find the country’s most attractive and convenient options.

How to apply for a loan through Binixo

We’ve eliminated the need for customers to read endless instructions on how to register and apply. Currently, by just following a few steps you can enjoy the funds credited to your bank account.

  • Fill in the application form found on our website.
  • Binixo does not issue loans. Wait for the redirection to the website of your chosen lender.
  • Confirm the application by providing the requested information.
  • Wait for your funds. Usually, you’ll receive your money in one business day.

Basic requirements to apply for a loan at Binixo

For your online loan application to be considered by any of the companies Binixo works with, you should meet the following criteria:

  • Be a South African citizen that holds a valid ID and has a valid bank account.
  • Have access to the internet.
  • Be 18 years of age or older

Lenders might request additional documents

Not all lenders will request the set of documents listed. Some will need additional documents or may require that you provide them with additional information.

How to get hold of Binixo

We have branches in several African countries so, whenever you need a personal loan for bad credit, you can simply visit any of our offices or use our online platforms. The easiest way of contacting us is through our website. You can also call us and one of our highly trained consultants will assist you with your bad credit loan application.

Customer Reviews & Testimonials

November 2019

I am so joyful by the loan I received through Binixo. It helped me improve my finances. 10/10/2018

Grenda P
— Johannesburg —

October 2019

Whenever we look for a loan, we always have hopes to get our hands into the lowest interest rates. And using Binixo in your loan search never disappoints. They work with one of the best lenders.

Margarete N
— Bloemfontein —

Binixo has made getting the best loan deal easy. Their choice of lenders is amazing.

Mbulelo H
— Khayelitsha —

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