Rating based on 85 reviews

Just Affordable Loans

  • Loans bad credit up to R100,000
  • Repayment up to 60 months

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

Just Affordable Loans - Get cash now!

Just Afforadable Loans specialise in loans for clients with bad credit.

We are unique from our competing lenders by use of our innovative technology that enables our loan processing times to be much faster.

Loans for clients who are blacklisted

Don’t let one minor missed a payment on an account set your credit score off on a poor path, resulting in bad credit or even potential blacklisting.

We want to help anyone who applies to us to obtain a loan for poor credit if they meet our loan criteria.

Innovative online technology

We use unique, innovative technology through our online platform that allows us to process short-term loans quicker, as well as bring you faster loan turnaround times.

We have an average loan turnaround time of only 2 hours, which means you get the cash you need fast.

Transparent, reliable lender

At Just Affordable Loans we pride ourselves on being completely open and transparent with our clients. Your online loan application is made a priority from the time you apply until the term is over.

We ensure you complete confidentiality with regards to the loan agreement you sign up with us. Our agents are standing by to assist you in any way possible so that you benefit in the best way possible through our loans.

We have the fastest loan application process

Do you have a bad credit history? No need to panic, we have a bad credit loan solution to assist you!

Our assessment process is one of the fastest that you can expect to find in the financial industry.

Debt consolidation loans

When you feel as though you cannot cope with your current debt situation, we’ll step in and offer you a debt consolidation loan option.

We calculate all of your debt into one affordable monthly payment, and once you have rid yourself of debt, it is our main focus to keep you debt-free.

Apply online fast

We have designed our online application process to suit your busy lifestyle by shortening it courtesy of our unique online technology. You will get instant feedback on the outcome of your loan application once you have submitted your application.

Loan terms

You can apply for an instant loan amount that ranges from R1, 000 up to R100, 000. However, you must be a South African citizen and at least 18 years old, and you should be permanently employed in order to qualify for a loan with us.

Along with your application, we will need your personal documents in order to verify your details. Please include a copy of your South African ID, proof of residence, bank statements and a recent payslip.

Just Affordable Loans – Bad credit loan

  • Loan Type Loans bad credit
  • Loan Amount up to R100,000
  • Repayment 3 months to 60 months

Benefits of Just Affordable Loans

  • STUDENT Loans
  • INDIRECT Loans
  • INSTANT Cash Loans
  • LONG TERM Loans
  • DIRECT Loans
  • BAD CREDIT Instant Loans
  • MICRO Loans

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.

Just Affordable Loans – getting you the cash you need fast

In today’s tough economy, many South Africans have a poor credit record. Not only does this make life a little tougher, but it also prevents them from obtaining a loan from a bank or a major lender.

We are a small company specialising in bad credit loans to assist those who are already struggling by not turning them away but rather offering them the help they need.

We have partnerships with reputable lenders

We have entered into partnerships with respected lenders in the market. We will help you choose between personal loan options and lenders in order to source a loan that best suits your financial needs.

Quick turnaround time

You will know the outcome of your loan application within 2 hours after completing it. We understand that you need cash quickly in emergencies, and with our quick payouts, you will have the cash in your account within 24 hours after applying.

This is one of the fastest turnaround times available in the industry. Two other benefits you can expect are low interest rates and there are no hidden fees.

Loan options

We offer both secure and unsecured payday loan options depending on your situation and what you’d prefer. Our loan terms range between 3 and 60 months, and with our shorter loan terms, you will get lower interest rates.

This makes your loan more affordable. We support responsible lending and as a result, we assess how much you can afford before deciding on your loan arrangement. We are unfortunately unable to help you with a loan if you are under debt review.

Affordability assessment

With your application, we will conduct an affordability assessment to calculate the total amount you are able to put towards a monthly repayment on your loan.

At Just Affordable Loans, we aim to source the best fast cash loan possible for you and ensure our bad credit clients are taken care of.

Customer Reviews & Testimonials

July 2018

Nice quick and easy application that will not take long to complete.

Ronel P
— Despatch —

April 2019

They informed me quite soon after I had applied for my loan that I had been approved. I recommend using the company.

Nathan W
— Port Elizabeth —

Just Affordable 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 –