Rating based on 53 reviews


  • Loans bad credit up to R200,000
  • Low-interest up to 28%
  • Repayment up to 60 months

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Author iLoans. Screenshot of iLoans website.
[Accessed January 30, 2023]

iLoans - we are the loan specialists

Struggling to get a loan due to your imperfect credit score? Try iloans’ bad credit loan.

At iLoans, they offer an online lending service for all South Africans, even clients who have been blacklisted.

When you are blacklisted, it can be hard to apply for a loan especially when you need emergency cash. They have an online lending solution for your financial troubles.

Quick loans from iLoans

They have helped thousands of South Africans achieve financial freedom and they make use of unique technology that makes the application and approval process much faster. They have a fast loan turnaround time that has earned them great popularity with their clients.

Their team

At iLoans they have years of experience in the financial industry and their consultants are passionate about helping you find the perfect personal loan to suit your budget. What’s more, is that with the many years of experience they have in the financial industry, they are able to bring you very low-interest rates.

Your loan application will be processed with the highest priority and privacy. With them, you will be able to save a lot of money and time, plus you can contact their friendly agents telephonically or online to help you with any questions you might have as well as guide you through the loan process.

Fast loan application

Their flexible repayment terms range from months to even years.

They strive to give you a loan with a monthly instalment that is affordable and suitable to your budget. Getting a loan is easy even if you have bad credit as they offer cash loans for bad credit ranging from R1000 up to R250,000 that are based mainly on your affordability.

Get the cash you need safely and securely

Their employees are highly skilled and qualified and will always treat you with respect and in the most helpful manner. They understand that privacy is a big concern for all their clients which is why their webpage contains encryption software to ensure your personal details are safe and secure with them.

Loans for blacklisted clients

At iLoans they understand that bad credit can happen quickly and that many banks and lenders will decline you. This is where they are different; they treat all their customers equally, from bad credit loans to interest rates.

The great part is that they will only look at the amount you can afford to pay in monthly installments and won’t penalize you for your credit score. They, unfortunately, can’t supply loans to anyone who is under debt review.

iLoans – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 28%
  • Loan Amount up to R200,000
  • Repayment 3 months to 60 months

Benefits of iLoans

  • Bad credit friendly
  • Affordable repayments
  • Loans up to R200 000 

Bad credit loan calculator

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

iLoans – Easy convenient loans

iLoans serves South Africans with personal loans, cash loans, and loans for the blacklisted.

Their online platform has been designed with your comfort and convenience in mind. With a simple online loan application that is fast to complete their loan turnaround times are one of the fastest available in the industry.

Steps to obtain an easy convenient loan

Applying with them would mean that you’ll need to provide them with your basic information such as your financials and identity.

They will then perform their assessment to put together an offer for you. This all happens in a matter of minutes.

Once they have approved your loan you can expect to receive the funds in your account within 48 hours.

iLoans and the loan regulations they abide by

At iLoans they work in line with the stipulations set by the National Credit Act and they are responsible lenders.  This means that they will never grant you a personal or payday loan that you cannot afford. In fact, it does not matter how good or how bad your credit score is, they will grant you a loan as long as you can afford the monthly repayments.

When you are looking for a loan, it is very important for you to use a reliable trustworthy lender. You should never borrow money from loan sharks that work outside of the credit laws and they usually have very high-interest rates.

Thousands of customers consider iLoans to be a reliable and trustworthy lender and have rated their service very highly.

Why iLoans is a great choice

With the innovative technology, they make use of together with their expert employees, you can expect only the best. So, if you want great rates at a very fast pace apply now to get the cash you need.


  • With them, you can access both secure and unsecured loans for bad credit.
  • Access only the best rates.
  • They work extremely fast.
  • They have years of experience.

Customer Reviews & Testimonials

October 2018

I love being able to keep control of my account is a great feeling, Also you can pay anywhere that you are and more.

John B
— Port Elizabeth —

March 2019

Great service! From the agent that called me back when I sent my application in for my loan. And to be approved with a low credit record makes me feel like the company is willing to take a chance...

Thembi N
— East London —

May 2019

The bonus with iLoans is, its great for your pocket and I would recommend them and I would take a loan out with them again.

Karen D
— Rustenburg —

October 2021

They made me feel so comfortable and safe throughout the entire application process. I am very happy with their service.

Khakleho L
— Coffee Bay —

October 2021

They assisted me in such a fast manner while offering me such a low rate on my loan.

Burger K
— Springbok —

November 2021

For me, it felt like all hope was lost to get a loan, but then iLoans came to my rescue and provided me with a loan that I couldn’t even believe was possible.

Ismail F
— Centurion —

iLoans Contact

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