Rating based on 46 reviews

Legal Loans

  • Loans bad credit up to R150,000
  • Repayment up to 60 months

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

Legal loans - everything you need from one provider

Legal loans are based in Cape Town and offer a loan package that consists of legal assistance with a value-added loan find service. We will do everything in our power to get you the loan you need when you need it.

What we offer

Legal loans specialise in getting you a loan even if you have a low credit score or you are blacklisted.

Even if your loan application was declined by other online loan providers we may be able to help you get the loan you need.

Our package

The Legal loans package consists of telephonic legal assistance, assistance with legal questions and an ID theft prevention advice and what to do if your identity has been stolen. 

We specialize in helping those clients that cannot get help anywhere else. 

How much does it cost?  

For a once off payment of R395,00, you will have access to our 2 years legal and ID Assist plan and be sent a monthly credit crunch report so that you can keep an eye on your finances. To add value for money we have added a FREE bad credit loan finding service.

How quickly can a bad credit loan be approved?

As you are defined as a higher risk client and will probably struggle to make payments the approved process can take a little bit longer to finalize.

The loan provider will need to negotiate on your behalf and this can sometimes take between 3 to 5 days.

Payment made to your bank account

Once your personal loan application has been approved the money will be paid into your bank account in the same day. 

Loans up to the amount of R150 000

Our legal loan package comes with a free loan finding service that specializes in getting loans for people that have a very bad credit score and are blacklisted. We offer loans for bad credit from the value of R2, 000 to R150 000.

Easy repayment terms

We offer easy repayment terms that are noticeable. You can choose between 1 and 6-year terms depending on the loan agreement.

The risk to the lender is much higher, so this means that they charge a higher interest rate. Most lenders are registered and comply with the NCA that caps interest rates at a certain amount.

We offer a selection of different services including:

  • Instant loans
  • Student loans
  • Indirect loans
  • Microloans
  • Blacklisted loans
  • Consolidation loans
  • Bad credit instant loans
  • Long-term loans
  • Direct loans
  • Quick cash loans

Loans for people with bad credit

If you have bad credit there are still options available for you. If you need some cash in a hurry, but you don’t own your own property to put up as collateral you should consider an unsecured loan.

Because you are a higher credit risk, your interest rate will be a lot higher and the repayment terms will be very strict.

Use your car as collateral

 If you own your own vehicle you could consider using it as collateral. If you take out a short-term loan with your car as collateral, you will be charged a more favourable interest rate and lower monthly instalment fees. 

Legal Loans – Bad credit loan

  • Loan Type Loans bad credit
  • Loan Amount up to R150,000
  • Repayment 12 months to 60 months

Benefits of Legal Loans

  • BAD CREDIT 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.

Can I pay back the loan?

As you already have a bad credit score you need to think very carefully about using your car as collateral because if you do not make payment on the loan, you will be at risk of losing your car!

If this is your only means of transport you will not be able to get to work and that will cause you further financial difficulty.

Options for bad credit loans

A co-signer can help someone who has bad credit obtained a loan. If you apply together with a co-signer you will have a much higher chance of being approved for a bad credit loan.

The co-signer would have to take responsibility together with you for repaying the loan. This means that if you do not pay back the loan the co-signer will be held responsible and if they don’t pay it, it will adversely affect their credit score.

Specially designed loans

There are loan providers that specifically cater for people who have bad credit. These payday loans come at a higher cost and a higher interest rate but can sometimes be a life line to those in need.

Long-term loans are usually for a much larger amount and they are secured or backed by collateral. If you list your house as collateral these loans can be repaid over 10 years.

Debt consolidation loans

These types of loans are backed by your house as collateral and are used to pay off all your existing debt so that you will only need to pay back one creditor instead each of your accounts. 

We contact your individual creditors and negotiate a settlement amount or each of your accounts. We then pay them all off and grant you a debt consolidation loan for that amount. This enables you to pay off one low monthly fee and saves you on your interest rates and added late fees.

Customer Reviews & Testimonials

October 2018

Super quick and easy application and you get your money within the same day you can’t go wrong at this company.

Sean B
— Cape Town —

February 2019

Using the loan calculator lets you know how much you will need to pay back over the amount of days its great.

Samson J
— Pretoria —

April 2019

You can apply for a payday or any loan through the company even if you are blacklisted they give you the chance to start over I recommend them.

Dave S
— East London —

Legal Loans Contact

Contact Number


  • not available


  • not available

Physical Address

Postal Address

  • PO Box 378, Cape Gate, 7562, South Africa

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 –