Rating based on 28 reviews

Ayoba Loans

  • Affordable loan options
  • Low-interest starting from 28%
  • Repayment up to 60 months

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Ayoba Loans homepage
Author Ayoba Loans. Screenshot of Ayoba Loans website.
[Accessed February 20, 2019]

Ayoba Loans - An effortless loan service

Ayoba Loans are a leading online loan service provider that is available in South Africa. Our service allows you to easily apply for a personal loan for bad credit. Applying for a loan is uncomplicated and effortless.

We make the application process as simple and straight forward as possible to minimize the hassle and unnecessary stress that usually comes with applying for a loan.

How to apply for an Ayoba loan 

It’s very simple to apply, log in and apply online by completing the application form using your personal details. When you apply for Ayoba long or short term loan you will need to supply the following along with your application form:

  • ID number
  • FIRST name and surname
  • CELLPHONE number
  • E-MAIL address
  • SPECIFY the amount you would like to borrow

At Ayoba Loans we believe in giving everyone an equal opportunity and encourage all South Africans to apply. Sometimes you may experience financial difficulties, we understand that and are there to assist you.

Whether you are in need of a loan for any reason big or small look no further than an Ayoba cash loan solution. Our fast cash loans can be used to pay off your debt, pay your medical bills, settle car payments or handle any unforeseen expenses.

Blacklisted clients are welcome to apply

The financial climate in South Africa has become very unstable and that has led to many South African citizens being blacklisted and experience financial difficulty.  

Although we can’t guarantee that we will be able to assist you, we will do our best to help you if you have been blacklisted or have a low credit rating. Apply today as you have nothing to lose, it’s free to apply.  We will assist you as far as possible in obtaining a loan solution that is affordable and fits into your budget.

Our loan service aims to provide fast and flexible loan solutions when you need them most.

Fast and flexible loan solutions

The technology that we use is there to keep your personal information confidential.  We have high-security measures in place to guarantee that your personal information isn’t compromised.

Ayoba Loan solutions are a register with the NCA (National Credit Regulator) and comply with all the rules and regulations set out in the act.

We aim to supply personal loan solutions to South African citizens when they are in need of extra cash by the end of the month or they need money for emergency unbudgeted for expenses.

At Ayoba we will find you the perfect loan to fit your needs

Our personal loans are all unsecured loans this means that you will not have to put up any of your assets or risk losing them. If you have been blacklisted in the past or have a bad credit score you are still encouraged to apply.

It’s easy to qualify for one of our loans

To qualify for one of personal loan simply fill out the online application form using your personal details.

You will need to meet the following requirements:

  • You need to be a citizen of South Africa with a green bar-coded ID
  • You to have a South African bank account, a debit order will be attached to your account in order for you to pay back your loan
  • You need to earn at least R 3000 per month

Your application may be declined

We would like to help you acquire a bad credit loan and will do everything in our power to help you through the process, but in some cases, your loan application may still be declined. 

Reasons for your application to be declined

  • If we determine that you can’t afford the monthly loan instalments
  • If you have recently applied for debt counselling
  • If you have been placed under debt review
  • If You have been placed under administration or sequestration

Ayoba Loans – Personal bad credit loan

  • Loan Type Personal loans bad credit
  • Interest Rate from 28%
  • Repayment 60 months

Benefits of Ayoba Loans

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

Personal 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 - Friendly consultants that are on your side

To make the online loan application process as effortless and quick as possible our friendly consultants will help you every step of the way and answer any questions that you may have.

They are knowledgeable and trained to answer any of your questions and hold your hand through the registration process and get you the cash that you need.

Get a loan with us

When you apply for the personal loan for bad credit the first thing that springs to mind is how much will this loan cost me? And is it worth it?

No one likes to be surprised with a hidden cost that can mess up your carefully planned budget.  At Ayoba Loans we pride ourselves in being completely transparent and treating our customers fairly. We guarantee you that there are no nasty high-cost surprises that will pop up.

Our rates and charges are highly competitive in the industry and all costs are explained to clients before they sign the payday loan agreement. You will need to pay the initial initiation fee of 15% of the loan amount. Our service fee is charged at R50 per month (+ VAT)

The breakdown of the fees charged are as follows:

  • Interest charged per day charged at 0.17%
  • Interest charged per month is 5%
  • Interest charged per annum is 60%

Each of our registered lenders has their own set of terms and conditions and their own policies in place.

Ayoba loans form part of the finance turtle group

Ayoba instant loans form part of the finance turtle group which is a monthly membership service.

Once you become a member we will finance all your needs through our service. Our benefits aim to add value for money, provide you with peace of mind and help you control your finances.

Benefits of becoming a member include

For a once off registration fee of just R199 and then a monthly fee of only R99 (for the remaining 11 months)  you will have access to the following benefits:

  • Finance finding facility
  • Debt review
  • Help with compiling your last Will and Testament
  • R 3 000 family funeral cover
  • Funeral support services
  • Legal services
  • Emergency medical services
  • Trauma and assault counselling
  • Personal health advisor
  • HIV protection treatment services and counselling

Customer Reviews & Testimonials

February 2019

If you looking for a financial services provider that will ensure that you get your loan on the same business day, Ayoba Loans is your best choice.

Nokwanda M
— Umtata —

April 2019

Applying for a loan at the Ayoba Loans website was systematic and didn’t give me any technical glitches.

Samisha N
— Durban —

Ayoba Loans Contact

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