Rating based on 55 reviews

Just Loans

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

Just Loans - Hassle-free loan services

Needing money when you don’t have any can cause you a lot of stress. If you need cash for a medical emergency then getting the cash you need could literally save your life. We specialise in loans, just loans, getting you the cash you need when you need it with no hassle.

If all the places that you have applied to say no and the banks won’t help you, let us assist you instead. Our aim is to get you the cash you need as quickly as possible that means that within 2 hours you will receive your outcome and your cash could be in your account today.

Blacklisted clients qualify for between R2 000 and up to R50 000

If you are like one of the other thousands of South African citizens that find yourself on the blacklist don’t worry, we may still be able to help you get a personal loan for bad credit for up to R50 000 with very easy to manage repayment terms that can be customized to suit your individual circumstances.

We understand the financial market

Our online loan application success rate is one of the highest in the business and our clients are very happy that is why we continue to grow each year. We know the loan business after 10 years in the financial field, so we have seen it all and know how to get you the best deal possible.

Some lenders may take up to 2 days to process your loan and have the cash transferred into your bank account, other lenders have a same day payout system in place.

A same day loan service

Our service offers clients the opportunity to apply for short term loans, cash loans, personal loans, blacklisted loans and debt consolidation loans.

Decide which type of loan you would like to apply for and chose the amount you need as well as how long it will take you to repay your loan.

All you need to apply

To apply for a loan with us, supply us with your personal information, including a list of your expenses and current financial commitments. 

You will also need to provide a copy of your valid South African ID and a copy of your recent payslips and bank statements.

You need to be at least 18 years old, have a full-time job and have a bank account that is listed under your name.

It only takes a few minutes to know if your loan application is approved. The entire process will only take 5 minutes of your time.

Same day loans available

If you have a cash crisis and need your cash today then you can apply for one of our bad credit personal loans. Borrow up to R150 000 and receive the money paid straight into your account today.

There are no hidden costs involved and payouts are done every hour to make sure that you get your money on time. These payday loans are also available to those with a low credit score or those that have been blacklisted in the past.

Just Loans – Personal bad credit loan

  • Loan Type Personal loans bad credit

Benefits of Just Loans

  • Bad Credit Loans
  • Personal Loans
  • Debt Consolidation

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.

Just Loans - Quick flexible loans

Applying for a quick loan is stressful enough without having to worry about having your personal data hacked or sold.

There are many lenders that sell your personal information to a third party and this can cause you to receive spam e-mails, viruses and in some cases have your personal details stolen. We use the latest technology to keep your data secure and make sure that it doesn’t fall into the wrong hands.

Cancelling your loan application is easy

If you change your mind and decide that you no longer want to proceed with your personal loan application, simply send us a cancellation e-mail. Any documents that we have received from you will be destroyed and there will be no record left of your application.

We don’t keep a data base of your information so there is no risk of it being hacked and we will destroy any e-mails pertaining to the cancelled loan. It will be like you never applied at all.

The information we do save

Once you have accepted the quote and have signed the loan contract you will need to consent to a debit order that will run automatically on the due date each month. This is to protect you from missing a payment.

To remind you that your instalment will be due soon, we will send you a reminder SMS and e-mail a few days before the money is due. If you are having a problem and the money is not in your account when the debit order runs, then you may be charged penalty charges.

What if I need a second loan?

So the first loan helped you pay for some of your expenses but it’s still a long way till pay day and the loan that you received is now finished. Can you apply for a second personal loan for bad credit with us? 

Yes, you can. If you can show you are able to afford an additional instant cash loan we will assist you and help you get the cash you need for the second time. You will need to have made at least one instalment on your previous loan in order to apply for a second loan.

Customer Reviews & Testimonials

November 2018

Applying at Just Loans was easy and convenient.

Timothy G
— Germiston —

February 2019

Just Loans uses a convenient and user-friendly loan application system.

Marina V
— Potchefstroom —

January 2019

If you looking for affordable interest rates on your loan, Just Loans is the financial services provider of choice.

Gareth C
— Cape Town —

August 2018

After applying for a credit plan at Just Loans, I knew of my loan outcome in less than three hours. Keep up the good work guys!

Derick H
— Limpopo —

April 2019

Just Loans will always ensure that you get your response on the very same day.

Timothy X
— Cosmo City —

Just 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