Rating based on 29 reviews

Just Loans

  • Personal loans up to R100,000
  • Low-interest starting from 15%
  • Repayment up to 60 months

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

About Just Loans

Born and bred in Port Elizabeth, Just Loans has been around for quite some time, serving South Africans with a range of convenient credit products.

By using the latest technology they're able to let you apply for low-interest personal loans from anywhere in South Africa. The online application will allow you to apply for a loan even with serious time and location constraints.

When you need fast cash, you can quickly access their website and apply electronically. If approved, you'll have the money deposited into your account within one business day.

Preplanning your repayments

Cash emergencies can happen at any time, which is why Just Loans have made their services available to you online. They have flexible repayment terms that can be customised to suit your individual needs and repayment abilities. You also have the freedom to choose when you'd like to pay your loan.

Unmatched affordability with Just Loans

Just Loans want to ensure that you can afford your repayments and will always conduct an affordability assessment before approving a loan application. 

If you can't afford to make large repayments, they'll reduce the amounts due and extend your loan term to ensure affordability. 

Just Loans Services

Qualifying for a personal loan has never been this easy! Unlike other financial service providers, Just Loans don’t require a lot of documentation in order for you to be approved for credit.

By ensuring that their processes are slightly easier to follow and complete, you'll be able to get the best credit solutions on the market. 

Various flexible credit plans available 

As a client, you have the option of choosing between a range of credit types from short-term loans to debt consolidation loans. These credit options are subject to you meeting their criteria and abiding by other terms and conditions as set out in their contracts.

Just Loans offers you the best reliable credit services and once you've dealt with them you'll probably recommend them to friends and family! 

Bad credit loans

Not only people with excellent credit will be looking for a loan. Just because you've been blacklisted doesn't mean that you can’t manage your money right.

Even the most careful spenders may need a financial boost every once in a while. If you have bad credit, Just Loans may still be able to help.

After completing their online application, they'll be able to give you feedback in a matter of hours!

Just Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1527.50% p/a
  • Loan Amount up to R100,000
  • Repayment 1 month to 60 months

Benefits of Just Loans

  • PERSONAL Loans
  • QUICK Loans

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.

JustLoans.co.za – Our personal loans will suit your budget

Once your loan application has been approved, you want to be able to repay the loan without delay.

It is your duty to ensure that you manage your loan repayments and communicate with Just Loans should you be unable to pay on time.

Getting quick personal loan offers shouldn’t be as difficult as many credit providers make it out to be. By using a repayment calculator, you'll be able to find out how much you qualify for. 

Find a loan that's just right

Every South African can apply for a personal loan. Every lender or broker that Just Loans work with is an expert when it comes to personal loans.

Just Loans have to do the hard job of ensuring that they find a loan that's suitable for your credit needs.

How quickly you're approved and get your money depends on the type of loan you're looking for. Nobody wants to wait when they have applied for a short-term loan - time is always of the essence.

2 hours is all it takes

With Just Loan, you'll get a response in just 2 hours. You'll then know whether you qualify for a loan and all the other basic information that you must know. Lastly, you'll be asked to provide a few documents that are needed as part of the verification process.

Fast and reliable customer service

Depending on which bank you use, the money can take one to two business days to reflect on your bank account.

A loan to suit your budget

Since emergency expenses usually happen unexpectedly, it's always beneficial to be prepared. A broker is responsible for ensuring that you meet a lender's requirements. It's important to ensure that you're able to pay back the loan amount you have applied for prior to completing an application.

The great thing about the lenders that Just Loans works with is that they can work with anyone. People with bad credit may be required to pay a slightly higher interest rate than those that have a good credit profile. 

Customer Reviews & Testimonials

January 2019

At Just Loans the service is free so you do not have to worry about any charges or fees that will surprise you. They are upfront about everything and ensure that you know the exact implications o...

Terry R
— Uitenhage —

February 2019

The online platform makes applying for a loan a breeze. All you need is access to a Smartphone, Tablet or personal computer and you can apply within a few minutes. You will receive a response wit...

Tabisa D
— Queenstown —

Just Loans Contact

Physical Address

  • 377 Govan Mbeki Avenue Port Elizabeth Eastern Cape 6001 South Africa
  • Get Directions

Opening Hours

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