Rating based on 64 reviews

Tenant Loans

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

In-page navigation

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

Tenant Loans - Effective property finance

Tenant loans are available for people who do not own their own property and are just tenants of the property they live in.

Just because you don’t own your own property does not mean that you can’t use the property you live in to gain financial credit in certain circumstances.

You can use the property as collateral for certain types of loans. The property is not in any danger of being taken and you are basically granted an unsecured loan under a different name.

Why I should consider a tenant loan

These types of personal loans are usually for clients that have a bad credit record and do not have their own property to put up as collateral for a loan.

There are many advantages and disadvantages of these types of loans. They include:


  • Don’t need a property as collateral
  • Easy to secure
  • Can apply even if you have bad credit
  • No credit check performed
  • Quick loan approval process


  • Higher than the normal interest rate
  • High-risk loans

Do I qualify

To qualify and apply for a loan online you will need to meet the following criteria:

  • 18 years old or older
  • Need to provide proof of residence
  • Must be a South African citizen
  • Must be employed and provide proof of income

We have a wide variety of credit products available

Build up your credit score

Once you have been approved for a tenant loan and you make regular payments on time, this will help to improve your credit score and to secure more short-term loans in the future.

We offer the following services to our clients

  • Small business loans
  • Bad credit loans
  • Blacklisted loans
  • Cell phone deals
  • Debt consolidation loans
  • Insurance
  • Payday loans
  • Personal financing
  • Vehicle financing

Bad credit personal loans

Even if your credit score is very bad and you have been turned down by other financial lenders, we might still be able to assist you with a personal loan.

One of the options available to these clients is to access their home or bond this will lower the interest rate and is tax-free. Make sure that you only approach lenders that are registered with the National Credit Regulator.

They set strict rules and regulations that need to be followed and ensure that you are not overcharged, your payment terms are reasonable and you are protected by the law. Look for a lender that offers the lowest interest rate and sets capped maximum and minimum fees.  If all else fails, think about lending money from a family member or friend.

Qualifying criteria 

The qualifying criteria for a bad credit loan are as follows:

  • You must be a South African citizen
  • Permanently employed and have proof of income
  • Older than 18 and younger than 65
  • You can’t be under debt review or sequestrated

You must have a valid South African ID document 

Tenant Loans – Personal loan

  • Loan Type Personal loans

Benefits of Tenant Loans

  • 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.

Tenant loans - Loans and cellphone deals at one provider

Cell phone deal with no paperwork

We offer the best deals on cell phones and cell phone accessories. Even if you are blacklisted and find it difficult to obtain credit we could still be able to get you a great deal on a cell phone. There is no annoying paperwork and it’s so simple to apply.

How it works

To apply for a great deal on cell phones, simply fill in the online application form and choose your cellphone package.

  • Fill in the online application form with your personal details
  • No paperwork
  • Chose the cell phone package and contract you would like
  • Get approved
  • Free delivery of the cellphone to your door
  • Free SIM card and no connection fee
  • Very low credit requirements mean a higher successful approval rating
  • An outcome in as little as 48 hours
  • Delivery of your new cell phone within 5 working days 

Debt consolidation

Debt consolidation will help you get back on top of your finances. If you have a lot of different accounts that you need to pay every month and you don’t have enough money to pay them all this type of loan will be perfect for you.

When you don’t pay accounts, or you make late payments you negatively affect your credit score and end up paying much more in added interest and late fees.  By consolidating your debt, we negotiate a settlement amount on all of your debt and then pay it off for you. This means that you only need to pay us back.

We arrange very easy-to-manage repayment terms to ensure that you don’t default on payment. This saves you money on late fees and interest fees and makes it much easier for you to control your budget. As you pay your loan off via our debit order system, this will improve your credit score and allow you to obtain more credit when you need it.

Qualify for a debt consolidation loan

To qualify for debt consolidation or personal cash loan you will need to meet the following criteria:

  • You must own the property and the market value must exceed R150, 000
  • Your household must have a combined monthly gross income of at least R6, 500 per month
  • You must be older than 18 years old, but younger than 65 years old

Fill in the online application form and see if you qualify.

Vehicle finance for blacklisted clients

If you need vehicle financing but are currently blacklisted we may still be able to assist you.  To see if you qualify, you will need to meet certain criteria and fill in our online application form.

What I need to qualify

To apply for vehicle finance if you are blacklisted, you will need to meet the following criteria:

  • You will need to trade in a car that has a value of at least R10 000 this if the lowest amount needed for a deposit
  • Or R10 000 cash if you don’t have a car to trade-in
  • You will need a valid South African driver’s license
  • A valid South African ID document 
  • We will need a copy of your latest 3 payslips
  • We will need your last 3 months' banking statements
  • You will need to supply proof of residence not older than 3 months old

Contact us today to see if you qualify.

Customer Reviews & Testimonials

April 2019

The interest rates that I am paying on my Tenant Cash Loans still afford me the opportunity to pay my other expenses.

Mandisa M
— Pietermaritzburg —

March 2019

Tenant Cash Loans work fast and within your financial expectations as a customer. Keep it up, guys!

Jonathan C
— Durban —

Tenant Loans Contact

Contact Number



  • not available

Physical Address

  • Willie Van Schoor Drive, Bellville Cape Town Western Cape 7530 South Africa
  • Get Directions

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