Rating based on 52 reviews

Low Credit Loans


  • Personal loans bad credit up to R150,000
  • Low-interest starting from 32.1%
  • Repayment up to 60 months

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Low Credit Loans homepage

Author Low Credit Loans. Screenshot of Low Credit Loans website. [Accessed April 5, 2018]

About Low Credit Loans

Low Credit Loans is one of South Africa’s most successful online lending firms. We assist clients who need a little extra cash for something important, or just to use for pleasure.

No matter what you need it for, our job is to provide a fast and effective service that you can count on. Our online loans are based on our leverage in the financial market, and partnerships with strong leading lenders in the country, who offer our clients the best possible rates, repayment terms and loan approval.

Our aim to provide consistent service

You can get a personal loan that covers your loan amount request, and works through a tailored repayment structure that you can easily afford. Many of our lenders also approve clients who have a bad credit history, which makes our services open to anyone who needs a personal loan. We work fast, so our clients can have access to the cash they need within 24 hours.

We manage to secure deals for our clients because we have the clout in the market to get the best value for your request; our clients are the ones who benefit.

Low Credit Loans Services

We offer all South African clients who meet the criteria, a simple and affordable personal loan of up to R150 000!

Loans for clients with bad credit

We even assist clients who are struggling to get a good credit score

We have strong leverage in the lending markets to secure a loan for anyone who applies through our online platform. Our service is safe, keeping your personal information completely confidential. Clients who are of the right age, and earn over R3 000 per month from a permanent job, can look forward to being approved in minutes for a loan of their choice.

Expert personal loans to suit your needs

Our personal loans are highly effective for clients who need a larger amount of money to use for a holiday, home renovations, car repairs, or anything else. We don’t ask what you want it for that is your private information, we simply provide the means to get it to you fast. We have repayment terms ranging between six and 60 months, making your personal loan affordable and easy to budget for each month.

Low Credit Loans – Personal loan bad credit

  • Loan Type Personal loans bad credit
  • Interest Rate 32.160% p/a
  • Loan Amount up to R150,000
  • Repayment 6 months to 60 months

Benefits of Low Credit Loans

  • 100% free service
  • Fast, secure finance
  • A wide panel of responsible lenders
  • Blacklisted loans available

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.

Low Credit Loans lets you enjoy the good things in life!

Our clients are our top priorities so if you need any advice before applying, feel free to contact us for expert guidance.

The following criterion is of utmost importance:

  • Easy requirements
  • Over 18 years old
  • Be employed for more than 3 months on a permanent basis earning a salary of no less than R3 000 per month.
  • Be a South African resident with a green bar-coded ID book
  • You don’t need a perfect credit score to be approved, we help everyone!

Simply complete our quick and easy online application

This can be completed from the comfort of your home or office any time you like! Submit your application with your supporting documents requested on the application and wait for one of our consultants to contact you on the details you have provided.

We will inform you of your application approval and present you with a draft agreement, stating the amount of cash you qualify for, as well as the repayment terms of your personal loan. If you agree to the terms, we will then start processing the payment into your bank account, which take between 24 and 48 hours.

Best rates in the industry

What makes our loans so inviting is our ability to fix your interest rates and your repayment terms for the term of your loan contract, so you know exactly what you are paying each month, which makes it easier to budget for.

Getting a loan shouldn’t be difficult

We action our applications fast, to ensure the quicker you get your information to us, the quicker we can process it. Our turnaround times are fast, with our technology systems that support the speed of payments, as well as the confidentiality of our client’s information.

We also offer on the ground support from our experienced loan consultants who have many years in the industry. They have extensive knowledge of the loan markets and will advise you wherever they can, to make your journey with us a pleasant one.

Contact us today, and let us help make your finances look a little more appealing we can help you live a fruitful financial future.

Customer Reviews & Testimonials

June 2019

We went through to the office after having troubles with our computer and they were more than happy to help us get the answers we needed.

Ken S
— Cape Town —

May 2019

My friend told me about them so I went online and saw that I could apply for a loan which was great cause I needed to get a car and with their help, it has become possible.

Eric B
— Cape Town —

June 2019

They gave me a loan even when my credit score was very low and I have been able to pay my loan off and if I ever need a new loan I will be going back.

John M
— Port Elizabeth —

May 2019

The best service that I have ever received and they are super speedy and willing to help where they can.

Thembi M
— Coffe Bay —

Low Credit Loans Contact

Contact Number



Physical Address

  • 106 Adderley St, Cape Town City Centre Cape Town Western Cape 8000 South Africa
  • Get Directions

Opening Hours

  • not available