Rating based on 62 reviews

SA Personal Loans


  • Personal loans bad credit up to R150,000
  • Low-interest starting from 21%
  • Repayment up to 59 months

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Author SA Personal Loans. Screenshot of SA Personal Loans website. [Accessed July 24, 2019]

About SA Personal Loans

A personal bad credit loan that takes 2 minutes to complete

It is common that clients usually want to use the money right away when they apply. Due to the fact that they are busy with other commitments, asking for time off at work is usually difficult. With a SA Personal Loan, there is no need to ask for a day at work because you can do everything at the comfort of your work desk or at your couch.

Making things easy for our customers

We want to give our customers the most convenient way of doing things and we have found that an online loan application is exactly that. What is even better is that the application takes only 2 minutes to complete. Once you have provided us with your personal details, employment information as well as your remuneration details, we are good to go.

Clients should give correct information without omitting any information. If you don’t give accurate information, we might have to reject your personal bad credit loan application. We take false information as a serious offence.

What is the next step after applying for a personal bad credit loan?

After we have received your loan application, we will ask that you further provide us with additional documents such as your recent payslip and bank statement. We need to know how much you earn and how many personal loans you are paying for. This has got nothing to do with the fact that we don’t trust our clients but just part of the processes of a loan application at SA Personal Loans. Once we are satisfied with everything, we will inform you of the outcome of the loan.

If you don’t meet our requirements, we will decline your loan application but still outline why this was the case so that you can go and fix whatever we found as a problem.

SA Personal Loans Services

While the maximum amount a client can get is R150 000, this doesn’t mean a customer may be granted this amount.

There are a number of factors that need to be taken into account before we give you the loan. For starters, we need to see if you are able to afford the money that you want. We need to see your bank statements as well as your salary invoice so that we can see your other financial obligations.

Only apply for the exact amount you need

If you would like to apply for one of our personal loans for bad credit, you need to apply only for the amount that you need.

Should it be a case that you qualify for a larger amount of money, don’t take it because you don’t want to find yourself in a situation where you are now paying for a loan that you didn’t really need at the time. Financial maturity is important when it comes to a loan application.

One can never be sure when they might need money so there is no need to apply now if there are other alternatives you can make use of or you don’t need the money. Once your credit profile is ruined, it takes a number of years to have fixed again.

Get a loan today

We are not just a mere financial provider that doesn’t care about its clients and just gives away long or short-term loans without thinking about the financial good standing of a customer.

We want to ensure that indeed they have the money to pay for the credit plan without skipping other monthly debts they may already have.

We are running a business but we also want to ensure that a customer doesn’t feel overwhelmed with the credit and end up running behind on their payday loans.

SA Personal Loans – Personal loan bad credit

  • Loan Type Personal loans bad credit
  • Interest Rate from 21%
  • Loan Amount up to R150,000
  • Repayment 6 months to 59 months

Benefits of SA Personal Loans

  • Bad credit friendly
  • A speedy service
  • Easy repayment terms

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.

Get a quick personal loan even with a bad credit history

Once your quick cash loan has been approved, you need to always ensure that you have sufficient money on the day of your payment.

This is the reason why the customer needs to ensure that he agrees on a date where he will be certain that the lender will find the money.

Make sure you pay your loan on time

Should there be a case where the lender doesn’t find the money; the customer will be liable for extra charges. If you are going through financial difficulty that is making it difficult for you to pay your bad credit loan on time, please inform us immediately.

Don’t wait until the date of your scheduled loan payment arrives because the debit order system is automated. Should you notify us prior to the date, we might be able to make a plan.

How much time do I have to ensure that my personal bad credit loan has been paid?

The minimum time taken on the payment of a loan is 6 months. The maximum is 59 months. This means a customer can pay the loan for up to 5 years. If you would like to settle your loan before your payment date, you are more than welcome. The 59 months means you can always pay some of your other financial obligations easily and without any pressure because the personal bad credit loan will be structured in such a way that you are able to attend to your other monthly expenses.

Customer Reviews & Testimonials

May 2019

They have helped me to gain confidence when applying for a loan and they have helped me to maintain my payments and be debt free

Martin B
— Port Elizabeth —

May 2019

I Have just been approved for my first loan and it's amazing cause I have been working for a year and can't build up my credit score.

Johnathan S
— Pretoria —

SA Personal Loans Contact

Physical Address

  • Century Pl Blvd, Century City Cape Town Western Cape 7446 South Africa
  • Get Directions

Opening Hours

  • not available