Rating based on 1,535 reviews


Low Budget Loans

image of Low Budget Loans
image of Low Budget Loans

Low Budget Loans is a registered credit provider with South Africa’s National Credit Regulator: NCRCP4858


About – Low Budget Loans

Our company was started in 2004 by a couple of banking experts.

With their extensive knowledge, they created a system that gives clients hassle free, affordable quick loans.

We have the solutions

Whatever your financial problem we have a loan that can be the solution.

Through innovation and a passion for your needs, we supply you with affordable loan options and flexible repayment terms.

Straightforward and transparent

We are a straightforward company. We are transparent in all of our dealings, you won't find any hidden fees.

You can use the loan calculator to determine exactly how much you will repay on your payday loan.

This amount also includes the interest fees, there are no surprises when it comes to repaying your loan.

Can you afford a loan?

An affordability assessment will be conducted when you apply for a bad credit loan.

We will determine how much you can afford on monthly instalments after your expenses have been subtracted from your salary.

We support responsible lending and we comply with the stipulations set by the National Credit Act. 

Services – Low Budget Loans

We all need a little bit of extra cash for that ‘rainy day’ but what if your day comes too soon and you are not covered financially?

This is where we step in. We understand that unexpected financial expenses can happen at a drop of a penny and when you need fast cash urgently there is no time to wait for your money.

Benefits of applying with us

  • Easy online loan applications
  • A variety of loan options
  • Flexible repayment plans
  • Convenient online applications that can be done from anywhere
  • You don’t stand in any long queues
  • No endless paperwork
  • Friendly staff will guide you through the process

Bad credit? No problem

For years we have been helping clients with bad credit records to get an instant loan. We will do a credit check when you apply, but don’t fret as long as you're not under debt review, you are welcome to apply for a loan with us.

Debt consolidation options

When you are overwhelmed with debt and you feel helpless you should speak to one of our counsellors about debt consolidation.

We negotiate better payment terms with your creditors and structure all of your debt into one affordable monthly repayment.

The great benefit of this is that you no longer have to deal with creditors harassing you for their money. We will do all the hard work you can sit back and relax. 

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Summary of Services

  • QUICK Cash Loans


Low Budget Loans – Cash in a flash

We have the innovative technology to help us give you the cash you need in the shortest possible time.

When life gives you lemons get a quick loan from us and buy tequila!

The requirements to apply for a loan

  • You must be a South African
  • You must be 18 years older, but younger than 65
  • You must have a fixed monthly salary
  • You must have an active bank account, cell phone number, and email address

Loans for employers

We give loans to employees with no risk to the employer. The most popular loan for employees are payday loans.

We supply you with a portion of your salary until you get your next paycheck. With this short-term loan, the interest rates are usually very low. The loan will be paid into the employee bank account within 15 minutes after the loan approval.

For fast, affordable personal loans contact Low Budget Loans. We have a superior loan service with a variety of loan options and repayment terms to suit your pocket.

Visit our website and apply for a loan and you could have the cash in your account on the very same day.


Customer Reviews & Testimonials

 Contact Details

Lombardy Business Park Unit 24, Graham and c/o Graham and Cole Road, Shere AH, , Johannesburg, Gauteng, 0081, South Africa
Ph: 086 107 3072
Fx: 012 809 0333
Em: info@lowbudgetloans.co.za
Em: arrears@lowbudgetloans.co.za

 Postal Address

Postnet Suite 397, Private Bag x10, Elardus Park, Johannesburg, 0047, South Africa

 Opening Hours

  • Monday 08:00 – 16:30
  • Tuesday 08:00 – 16:30
  • Wednesday 08:00 – 16:30
  • Thursday 08:00 – 16:30
  • Friday 08:00 – 16:30
  • Saturday Closed –
  • Sunday Closed –