Rating based on 42 reviews

Personal loans offered by Ayoba Loans


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

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Ayoba Loans homepage

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

About Ayoba Loans

Ayoba Loans is a provider of fast online cash loan products and services. We are proud to offer our solutions to all South Africans including those who are blacklisted and those who are not blacklisted on ITC.

We offer personal loans that are unsecured and this means that you take no risk with us because with an unsecured loan you need not offer your assets as a guarantee that the loan will be repaid.

Quick financial solutions

Our service is known for its safety & complete privacy; together with our expert team of advisors, we work closely with you to solve your financial problems discreetly.

Above all our solutions are fast and easy to understand. You simply need to fill out our online application which is pretty straightforward and only takes a few minutes to complete; we understand that time is of the essence so we’ll ensure that you receive your cash quickly.

We are ready to design the repayment schedule in line with your needs, meaning that you are 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 which you can utilize for all your financial needs.

We offer highly affordable financial solutions in South Africa, our interest rates are attractive and our repayment terms are flexible, this means that we tailor a loan that is suited to your financial circumstances making sure that you have the affordability and still be able to live in a lifestyle that you are accustomed to.

Loans for clients with bad credit

We understand that there are times where we get ourselves into a situation of being blacklisted perhaps a forgotten bill that hasn’t been paid; however, we do offer personal loans to blacklisted people and to those who are not blacklisted on ITC.

We know how important it is for you to get cash quickly in case of an emergency; once your online application has been received and approved we aim to get the funds into your bank account as soon as possible. Every application is processed quickly and in complete confidence.

We emphasise on putting our customer’s best interest first so we provide the required amount of cash without requiring any sort of security. You can rely on our expert customer service for complete support with everything you need.

Ayoba Loans Product Details

  • Loan Type Personal loans
  • Interest Rate 15 – 60% p/a
  • Repayment 1 month to 2 years

Summary of Services

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

Ayoba loans are reliable credit providers in SA that offer 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 we have to offer and choose the one that suites your requirements. Ayoba quick personal loans are flexible and can assist you in deciding which of our products can be useful to you. We specialise in finding the right loan for borrowers with different creditworthiness. Our service is available entirely online, and it's quite easy to use. You are under no obligation to accept the offer provided to you.

Benefit from using our service

Our quick personal loans are fairly quick to obtain, our turnaround time is extremely fast and you’ll have feedback soon after you have filled out our online form.

We will advise you in the quickest possible time whether you qualify and what terms and conditions are offered to you. If you choose to accept the deal, you will have to submit a set of documents and sign the loan agreement.

You should receive the loan amount no later than 48 hours

There is great flexibility about the amount of money which you can borrow and the term of the loan when you use Ayoba Loans. You can select features of your choice depending on your needs and your ability to repay what you borrow.

When it comes to the interest rates, you should know that we depend on your individual credit history. We also offer loans to people with a good credit record and to blacklisted individuals. However, if you have bad credit, then you can expect to pay a higher interest rate. But it should still be completive. Note that it is your responsibility to ensure that you have the affordability to make repayments.

It is important to note that in order to qualify for a loan, you need to earn a monthly income which is greater than R3 000. And you must not be under debt counselling, administration or sequestration.

Ayoba personal loans are quick to obtain our rates are competitive and we offer flexibility.

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Ayoba Loans is a trusted & reliable provider of personal loans

In our review, Ayoba Loans adheres to the compliance criteria in accordance with NCA regulations, 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 Details

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