Rating based on 49 reviews

Ayoba Loans

  • Loans bad credit up to R250,000
  • Low-interest up to 28%
  • Repayment up to 60 months

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Author Ayoba Loans. Screenshot of Ayoba Loans website.
[Accessed May 13, 2018]

Ayoba Loans - Fast and flexible loan solutions

Ayoba loans have affordable loans to all South African's in need of access to funds when they don’t have it!

Ayoba loans are completely secure, we are a well-established and legitimate company and ensure your loan is held in the strictest confidence. Ayoba Loans offer easy repayment periods and no security is required when applying for personal loans.

Personal loans

Our personal loans are quick and quite simple to apply for, even if you are blacklisted, we still offer our application process to you. Our online platform is easy to use and we will offer you bad credit loan options that suit your individual financial needs.

We have many years of experience in the financial industry, and with our extensive experience, we have designed a loan service that is easy to apply for, with a quick turnaround time.

Unsecured loans with competitive rates

With our unsecured loan options, you won't have to use your assets as security in order to obtain a short-term loan from us. Our loan terms are flexible and our interest rates are highly competitive in today’s financial market.

Safety is a key concern

We use unique data privacy procedures that will guarantee the security and safety of your personal files and details. Our safety procedures ensure that our database is safe from anyone outside of our company.

We strive to deliver a premium service to all our clients. Since our employees are passionate about finance, they will assist you in choosing loan terms that will fit your individual budget.

You will get cash fast

Finding a loan with Ayoba Loans is easy. We have simplified all of the processes to get your funds in the shortest possible time.

You won't have to sit and wait tirelessly for your cash to be paid into your account, and you can apply for a loan of up to R250, 000.

Loans for clients with bad credit

We understand that getting a loan can be difficult when you have bad credit. At Ayoba Loans, we treat all of our clients equally regardless what your credit score is and can offer you a range of loans for bad credit. By means of an EFT, we transfer the funds into your account as soon as you have been approved for a loan.

Loan approval procedure

At Ayoba Loans, as opposed to reviewing your credit score, we rather do an affordability assessment to calculate the balance of your salary after expenses. This allows us to determine how much you can afford in monthly repayment instalments. 

Customer care and confidentiality guaranteed

We care about our clients and each loan application will receive personalised attention from one of our passionate consultants. We strive to give you an excellent service delivery, and your application will be processed with the highest priority and confidentiality to get you the money you need in a hurry!

Quick turn around times backed by technology

Our loan process is designed to offer a short and user-friendly service. We have innovative technology that makes the payday loan process and payouts faster than other lenders that you might find in the industry.

Ayoba Loans – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 28%
  • Loan Amount up to R250,000
  • Repayment 3 months to 60 months

Benefits of Ayoba Loans

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

Bad credit loan 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 quick loans calculator is subject to our terms of use.

Ayoba Loans - We will save you time and money

At Ayoba Loans, we aim to be unique to other lenders, and we believe obtaining a loan should not be time-consuming.

We have designed our loan process to save you time and with our low interest rates attached to our loans, we will save you money too.

Only the best lenders

At our online loan searching site, we have a wide variety of lenders and quick cash loan options available. We have formed partnerships with lenders who have reputable reputations, thus allowing us to help you find a loan that will fit your budget and suit your financial requirements.

Loan requirements

We only grant bad credit loans to South African citizens who are permanently employed and over the age of 18. As soon as you have filled in the quick application form, you can upload or email your personal documents to us.

The loan process is 100% online to provide you maximum convenience. The personal documents that we will need in order to process your loan include a copy of your South African ID, proof of address, bank statements and recent pay slips.

Apply online now

Simply visit our website and fill out the application form, and you can expect the loan application process to take you a few minutes. You can apply from home or from your office to save you time and effort.

As soon as you have uploaded your personal documents, one of our consultants will do an affordability assessment and you will receive prompt feedback about the outcome of your loan. As soon as you have qualified for an instant loan you will receive the funds in your bank account in no longer than 48 hours.

We support responsible lending

At Ayoba Loans we work in line with the stipulations set by the National Credit Act. We support responsible lending and will never grant you a loan that you cannot afford to repay.

The lenders that we use also follow the stipulations set by the NCA. You can borrow up to R250, 000 depending on your affordability assessment. We also work out a monthly repayment schedule that will fit your individual budget, so there is no need for concern with repayments.

If you are blacklisted or have bad credit look no further. At Ayoba Loans we will give you excellent customer service, easy loan applications and fast turnaround times. Apply online now and let us get you the funds you need into your bank account. We strive to help you reach your financial goals and aim to do so when you apply with us.

Customer Reviews & Testimonials

November 2018

They have helped me out greatly awesome service and I couldn’t have asked for better.

Jean C
— East London —

April 2019

Great service and got my loan within 60 minutes and was greatly surprised by the speed that Ayoba Loans work with. I recommend them.

Jonathan C
— Pretoria —

March 2019

I was helped to get a loan even after I had been blacklisted Ayoba Loans took the chance on me and I have received my loan.

Siya N
— Soweto —

Ayoba Loans Contact

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