Rating based on 42 reviews

Ayoba Loans

  • Low-income loans
  • Low-interest starting from 15%
  • Repayment up to 2 years

In-page navigation

Ayoba Loans homepage
Author Ayoba Loans. Screenshot of Ayoba Loans website.
[Accessed December 8, 2022]

About Ayoba Loans

Ayoba Loans provides easy online loan products and services.

They proudly offer their solutions to all South Africans - including those who are blacklisted.

Ayoba Loans offers unsecured personal loans. This means that you take no risk with this lender because with an unsecured loan you don't need to offer up your assets as a guarantee that the loan will be repaid.

Quick financial solutions

Known for safety & complete privacy; Ayoba Loans' expert team of advisors will work closely with you to solve your financial problems discreetly.

Above all their solutions are fast and easy to understand. To apply for a loan, fill out their online application (which is pretty straightforward and only takes a few minutes to complete).

Ayoba Loans understand that time is of the essence so they’ll ensure that you receive your cash quickly.

Ready to design the repayment schedule in line with your needs, with this lender you're able to make repayments monthly, weekly, or every fortnight depending on your salary schedule.

Ayoba Loans Services

Ayoba loans offer fast, safe, and reliable unsecured loans that you can use for all your financial needs - no matter how big or small.

They offer highly affordable financial solutions at interest rates that are attractive and with repayment terms that are flexible. They'll tailor a loan to suit your financial circumstances, making sure that you can afford it but still ensure you can live the lifestyle that you're accustomed to.

Loans for clients with bad credit

Ayoba Loans understand that you may have bad credit or have been blacklisted for a relatively minor issue. Perhaps you've forgotten to pay a bill or have had a change of circumstances or income. Whatever the cause, they offer personal loans to blacklisted people and to those who are not blacklisted.

It's crucial that you get cash quickly when facing an emergency; once your online application has been received and approved they'll transfer the funds into your bank account as soon as possible. Every application is processed quickly and in complete confidence.

Ayoba Loans emphasize putting your best interests first. This is why they provide the required amount of cash without requiring any sort of security. You can rely on their expert customer service for complete support with everything you need.

Ayoba Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1560% p/a
  • Repayment 1 month to 2 years

Benefits of Ayoba Loans

  • Low-income friendly loans
  • Quick response time
  • Affordable repayments
  • The easiest online application

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Ayoba loans - reliable credit providers offering competitive personal loans

There are various credit solutions that you can select from when you require money for financing a major purchase or for covering large expenses such as home renovations, buying a new car, or furthering your studies.

The best way to make the right choice is to evaluate the different products Ayoba Loans have to offer and choose the one that suits your requirements. Ayoba's team can assist you in deciding which of their products will suit your needs best. 

Ayoba Loans specialise in finding the right loan for borrowers with different creditworthiness. Their service is available entirely online and is easy to use. You're also under no obligation to accept the offer provided to you.

Benefit from using our service

Ayoba's quick personal loans are fairly quick to obtain, their turnaround time is extremely fast and you’ll have feedback soon after you've filled out the online loan application form.

They'll advise you in the quickest possible time whether you qualify and what terms and conditions can be offered. If you choose to accept the deal, you'll have to submit a set of documents and sign the loan agreement.

You'll receive the loan in under 48 hours

This lender offers a great deal of flexibility about the amount you can borrow and the term of the loan. You can select features of your choice depending on your needs and your ability to repay.

When it comes to interest rates, Ayoba will offer you a rate based on your individual credit history. They offer loans no only to people with a good credit record but also to blacklisted individuals.

If you have bad credit, you can expect to pay a higher interest rate. But it should still be competitive. Note that it's your responsibility to ensure that you can afford the repayments.

In order to qualify for a loan, you need to earn a monthly income of R3 000 or more. And you must not be under debt counselling, administration, or sequestration.

Ayoba's personal loans are quick to obtain, flexible, and fair and their rates are competitive!

man holding thumbs up

Ayoba Loans is a trusted & reliable provider of personal loans

In our review, Ayoba Loans 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.

✅ Ayoba Loans is a registered credit provider in South Africa: NCRCP6904

Customer Reviews & Testimonials

October 2018

Ayoba Loans is a leading online loans service. This means that I did not have to travel to the bank, stand in queues for hours or battle with mounds of paperwork. From the comfort of my home and ...

Rachel W
— Cape Town —

April 2019

I have to commend Ayoba on their friendly consultants. The lady that assisted me was well-trained, professional and very helpful. She made the entire process effortless and ensured that I underst...

Thabo N
— Paarl —

May 2019

Ayoba offers a variety of benefits for a small membership fee monthly. As a member, I have access to debt review, legal services and even emergency medical services. Ayoba definitely cares about ...

Tarang P
— Hermanus —

Ayoba Loans Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed