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Just Loans

image of Just Loans
image of Just Loans

About – Just 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 can I 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.

Services – 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 do 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 info@justaffordableloans.co.za 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.


Summary of Services

  • SMALL Cash Loans
  • CASH Loans
  • QUICK Cash Loans
  • SAME DAY Cash Loans


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 cash 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.

What is the renewal policy? 

If you already have an active payday, personal or bad credit loan with us, we will grant you a secondary loan as long as your instalments 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.

What happens if 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

 Contact Details

377 Govan Mbeki Avenue, Port Elizabeth, Eastern Cape, 6001, South Africa
Ph: 041 487 1969 / 082 301 7442
Fx: 041 484 3567
Em: info@justloans.co.za
Em: info@jaloans.co.za

 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 –