Rating based on 38 reviews

Ayoba Loans

  • Blacklisted loans
  • Low-interest starting from 15%
  • Repayment up to 2 years

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

Ayoba Loans - We are the leading online loan service

Ayoba loans are one of the leading online loan services available in South Africa.

Our service allows you to apply for a personal loan that is uncomplicated and effortless. We would like to make the process as simple and straightforward as possible and minimize the hassle and unnecessary running around.

How to apply

It’s very simple to apply for a loan with us, simply log in and apply online by filling in our straightforward online application form.

We will need:

  • ID number
  • First name and surname
  • Cell phone number
  • E-mail address
  • And the amount you would like to borrow

We at Ayoba loans believe in equal opportunity and encourage all South Africans to apply. Sometimes your financial situation is not ideal, we understand that and are there to help you. Whether you are in need of a short-term loan for any reason big or small look no further than Ayoba loans.

Bad credit loans

The financial climate in South Africa is very unstable and that has led to many South African citizens being blacklisted. Although we can’t guarantee that we will be able to assist you if you have been blacklisted or have a low credit rating, we still encourage you to apply and will assist you as far as possible in obtaining a bad credit loan. We aim to provide a fast and flexible solution to finance when you need it most.

Confidentiality guaranteed

We promise to keep all your information confidential and have high-security measures in place to guarantee that your personal information isn’t compromised in any way. Our company is registered with the NCA (National Credit Regulator) and complies with all their terms and conditions.

Quick & easy personal loans

We aim to supply personal loans to South Africans when they are in need of a little extra cash or if they need money for emergency expenses.

Our personal loans are all unsecured loans, meaning you will not have to list one of your assets to ensure that you pay back your loan. Whether you have been blacklisted or not, we encourage you to apply.

How to qualify

In order to qualify for a personal loan simply fill in our online application form with all your personal details.

You will need:

  • To be a citizen of South Africa with a green bar-coded ID
  • To have a South African bank account, a debit order will be set up for this account in order for you to pay back the payday loan amount
  • You should earn at least R 3000 per month.

Declined applications

We would like to help you acquire a personal loan and will do everything in our power to help you through the process, but unfortunately, you may be declined for the following reasons:

  • We determine that you would not be able to afford the monthly loan installment amount
  • You have applied for debt counselling
  • You have been placed under debt review
  • You have been placed under administration or sequestration

Friendly consultants

We are there to make the application process as effortless and quick as possible while ensuring you understand the process every step of the way.

If you have any questions during the application process, please contact one of our friendly consultants and they will help you every step of the way. They are knowledgeable and trained to answer any of your questions.

Ayoba Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 15%
  • Repayment 2 years

Benefits of Ayoba Loans

  • Reliable personal loans
  • Get great deals on loans
  • Competitive interest rates

Personal 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 has value-added benefits

Ayoba loans are a registered lender and all our associated lenders are registered with the NCR (National Credit Regulator) All fees and interest that is charged follow the terms set out in chapter 5 of the National Credit Act (NCA) no 34 of 2005. 

Initiation fee

No one likes to be surprised with hidden fees that can throw out your budget completely. We at Ayoba loans pride ourselves on being transparent and fair. We guarantee that there will be no hidden cost.

You will be charged an initial initiation fee of 15% of the instant loan amount up to R1 000 and 10% thereafter plus VAT

Our service fee is charged at R50 per month (+ VAT)

The breakdown of the fees charged on personal loans is as follows:

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

Each of your registered lenders has its own terms and conditions and its own policy in place. This guide is only a guideline for online loans.

Ayoba loans are part of the finance turtle group

Ayoba loans are part of the finance turtle group which is a membership service. By becoming a member we will finance all your needs under one shell. Our benefits aim to add value, provide you with peace of mind and help you control your finances from the comfort of your own home.

Benefits of our service

For a once-off registration fee of R199 and then a monthly fee of only R99 per month 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 counseling
  • Personal health advisor
  • HIV protection treatment services and counseling

To find out how you can become a member and take advantage of these benefits. Please contact us.

Contact us at [email protected] or call 074 123 8235 for assistance.

man holding thumbs up

Ayoba Loans is a trusted & reliable provider of personal loans

In our review, Ayoba Loans adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

Ayoba Loans is a registered credit provider in South Africa: NCRCP6904

Customer Reviews & Testimonials

March 2019

Without the financial assistance, I got from Ayoba Loans, I would be still trying to find a loan I can afford to pay off. Thank you for being such an affordable credit provider.

Fred J
— Deneysville —

March 2019

I am happy with the interest rates I am paying at Ayoba Loans. If you are looking for a good credit deal, Ayoba Loans is your best shot.

Sandra P
— Parys —

May 2019

Applying for an Ayoba Loan was not only quick and easy but it was also convenient and saved me a lot of time.

Tshepang K
— Mafikeng —

Ayoba Loans Contact

Physical Address

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