Rating based on 27 reviews



  • Personal loans bad credit up to R200,000
  • Low-interest starting from 28%
  • Repayment up to 60 months

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iLoans homepage

Author iLoans. Screenshot of iLoans website. [Accessed April 5, 2018]

About iLoans

iLoans are an accredited online lending firm in South Africa, offering clients a number of lending solutions to simplify their financial circumstances.

We assist clients with any kind of loan products they require, to make life easier and more affordable.

Debt consolidation

Clients who are in need of a little cash to tide them over, clients who are blacklisted and can’t get a loan approved anywhere else, and clients who are looking to consolidate their debt into one single loan. Whatever your financial need may be, contact us today, and let us help you with our fast and reliable lending services.

Flexible lending options

We are specialist in loans to help people who need assistance with debts, be it a long-term or short-term solution; we have the financial capabilities to assist you with whatever, your need. Our terms are created to work within your budget, as are our flexible lending options. We offer cash loans to meet your financial obligations and take the financial strain off your shoulders.

Let us assist you to become debt free. We have a team of experts available to guide you with any financial decision you need to make. Call us or apply online today, and get out of debt once and for all! We have the solution to help you move forward, and keep you out of debt for good.

iLoans Services

Personal loans, long-term loans, consolidation loans and cash loans, we offer it all.

We are well known in the country for our efficient and tangible loan solutions, that are transparent and effective, to combat life’s little financial challenges.

Loans for clients with bad credit

At iLoans, we understand the financial realities of life. Every day we face financial obligations, be it a couple of hundred Rands at the grocery store, or a couple of thousand Rands, getting the kids new school uniforms. This is not even taking into account the emergency cash obligations that may come up when we aren’t prepared for them.

Over and above these situations, we often find ourselves taking out credit cards here and there and throwing in a loan or three to help us get by. This all accumulates into debt that can get out of control, to the point where we cannot afford to pay them all back each month. You are not alone, and there is a way out.

Get a consolidation loan from iLoans today

And get rid of multiple payments each month. Save money and have cash over each month for the first time in months! You can access a consolidation loan easily with our online application, through our website. Its quick, it’s easy and it’s totally worthwhile.

iLoans – Personal loan bad credit

  • Loan Type Personal loans bad credit
  • Interest Rate from 28%
  • Loan Amount up to R200,000
  • Repayment 3 months to 60 months

Benefits of iLoans

  • Loans up to R200 000 
  • Bad credit friendly
  • Affordable repayments

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.

iLoans can help you consolidate your debt with a cost effective solution

iLoans can help you consolidate your debt with a cost-effective solution

What we do is help people start reaching their financial potential, without having to pay out their entire salary to loans and accounts each month. We offer debt consolidation loans that will break the barriers that are holding you back each month, and relieve the financial stress that debt has over you.

To qualify for a consolidation loan

You will need a valid South African ID, a valid bank account, preferably a checking account, your recent salary slip or proof of income and proof of residence. iLoan can help you in a number of ways with service options that will meet any clients debt needs.

We offer a debt consolidation service

We assist you in consolidating your accounts and loans into one monthly payment instead of a number of multiple instalments on different accounts each month and will save you a considerable amount of money each month. Workout just how much you need to cover all your debt and get an understanding of what you will need to borrow to cover all your accumulated debt.

When to consider debt consolidating

When you are overwhelmed and find it difficult to get out of debt and feel that your salary just isn’t covering all your monthly payments, you know it’s time to look into consolidating your debt.

Simply apply online

Complete the short application form, including the amount you will need to cover all your loan and account amounts.

We will verify your application, and see if you qualify the amount you have applied for. We will work out one amount that you will pay each month, instead of a number of repayment amounts.

The next step is:

Once you’ve been approved, you can cover all your debt, and only pay one reduced amount, which can come off your bank account through a debit order on the same date each month. After the very first month, you will feel the stress of your debt fall away. You will have more cash in your bank account each month, to use for more important issues.

You can finally have a life! Debt can overtake your life, emotionally and financially. We can help you make the right choice to consolidate those debt burdens.

Customer Reviews & Testimonials

June 2019

I contacted them for advice and my phone call died but can I tell you that they phoned me back and helped me with my query even though I didn’t take a loan.

Jess S
— Cape Town —

April 2019

I will be back after needing a small loan to pay off some debt but no one would help me they did and I will be back whenever I need a loan.

Joshua B
— St Francis —

June 2019

Chuffed with the service that I have received the applications are super easy too.

Martin C
— Cape Town —

May 2019

I went on to the site and requested a call back i was so shocked to see that i was being phoned almost right away never the less they have assisted me with my loan.

David R
— Port Elizabeth —

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