Rating based on 81 reviews

Just Loans

  • Affordable loan amounts
  • Low interest rates
  • Flexible repayment terms

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

Just Loans - Quick and affordable loans

We have been in the business of granting loans for just over 10 years and we aim to offer you the fastest response time.

We aim to give you an outcome in as little as 2 hours after you have completed the online loan application form.

Our service is free

Our service is free, so you can always apply and see if you qualify. You are under no obligation to accept the loan and there are no hidden fees.

Just Affordable loans are exactly that, affordable we are registered with the NCR (National Credit Regulator) and comply with all their terms and conditions set out by the national credit act.

How much l can borrow

Our long-term personal loans range from R1 000 to R100 000 and our consolidation loans can be given to the amount of R100 000.

Even if you have a bad credit score or you have been blacklisted in the past, we still encourage you to apply and see if you qualify. Applying is free so you have nothing to lose.

Easy to apply

We have made it simple to apply, just log onto our online platform and fill out the easy-to-use application form.

Please make sure all the details that you list are correct and that your telephone number and e-mail address are operational so that we can get in touch with you as soon as possible if you do qualify for a quick loan.

Fast little loans with Just Loans

To apply for a personal loan couldn’t be simpler. It’s as easy as logging on and using our online application form, fill in your details.

What I need to apply

  • Full name and surname
  • ID number and copy of your ID
  • Cell phone number
  • E-mail address
  • 3-month bank statements
  • The date on which your salary is paid into your account
  • Gross salary amount
  • Net salary amount
  • Type of employment (contract or permanent)

By clicking that you agree to our terms and conditions, please note that you are giving your consent for us to perform a credit check with us or any of our business partners, online lenders, or financial institutions. 

Contact us

If you have any questions during the application process, please don’t hesitate to contact us. You can get in touch via e-mail at [email protected] or call us and speak to one of our knowledgeable and friendly consultants on 087 802 6061 or 076 622 7425.

Our head office is situated at 377 Govan Mbeki Avenu, Port Elizabeth and our operating hours are from Monday to Friday: 9:00 am – 5:00 pm. Our branches are closed on Saturdays and Sundays.

We will give you an outcome on your instant loan application in just 2 hours of applying online. Do you need quick cash in a hurry? Then apply today and let us help you.

Just Loans – Personal loan

  • Loan Type Personal loans

Benefits of Just Loans

  • Get a same-day loan
  • Low-interest rates
  • Reliable personal loans

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.

Just Loans - Cash paid into your account within a few hours

Once you have been approved and your personal loan has been granted, you can expect the funds to be paid directly into your bank account within a few hours.

To make it even more simple to pay back your long or short-term loan, we will set up a debit order on your account. Once your salary has been paid in, we will deduct the amount agreed upon directly from your account. This will ensure that there are no missed payments and that your credit rating remains high and you stay in good standing in our account.

What happens if I can’t make a payment

By consenting to the terms and conditions listed online, you also consent to us or our credit providers to be able to monitor your account and credit profile. In the event of non-payment, the credit provider may be able to enforce the agreement and claim the entire outstanding balance on the personal loan. The client will be liable for any and all additional costs incurred and their credit record could be adversely affected. 

Changing details

It is your responsibility to notify us, should any of your details change. If you do not notify us, we can see this as a breach of contract and we are within our rights to terminate the contract and demand that the outstanding balance is paid in full.

Notify us if:

  • You change of jobs /change in employment
  • You become unemployed
  • Your banking details change
  • Your residential address, postal address, or work address change

What happens in the event of my death

Should you become deceased it will be the responsibility of the person who is handling your affairs to contact the designated manager of the credit provider. They will need to supply us with a death certificate. Please make arrangements within your Will to notify your beneficiaries of any loans you may have.

The renewal policy

If you already have an active payday, personal or bad credit loan with us, we will grant you a second loan as long as your installments are up to date and have not made any late payments. We will determine your affordability and only grant you a second loan if granting you the loan will not push you into debt or adversely affect your financial status.

My debit order bounces

In the event that your debit orders bounce or that there is no money available in your account at the time the deduction is usually taken. Additional fees will be charged. We will then try to contact you via e-mail, phone call, and text message. If we are still unable to contact you after trying for 3 consecutive days, we will forward your details to our legal department. This will result in additional charges and could have an adverse effect on your credit score. Your own bank may also add charges for bounced debit orders.

Even if you have a bad credit record or have been blacklisted in the past, we still encourage you to apply for a free no-obligation quote.

Customer Reviews & Testimonials

April 2019

Just Loans gave me a loan when I was at the verge of giving up! Thank you so much.

Penelope G
— Midrand —

April 2019

Thanks to Just Loans, I was able to attend to my financial emergency after my loan was approved.

Samantha V
— Randfontein —

April 2019

There are so many benefits you get from having Just Loans loan. Give them a try and see for yourself.

Lebogang V
— Tembisa —

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