Rating based on 45 reviews

Just Affordable Loans

Just Affordable Loans homepage
Author Just Affordable Loans. Screenshot of Just Affordable Loans website.
[Accessed January 31, 2023]

Just Affordable Loans - Get your studies on track

At Just Affordable Loans, their core focus is to specialise in loans for bad credit or loans for clients who are blacklisted and cannot access traditional finance.

What leads them to stand out among other competing lenders, is the forward-thinking and innovative technology that allows for their clients to experience far superior and faster processing times and efficiencies.

They are here to help

They have all found themselves in a position where things might be a little tighter one month than usual, but it’s important that you avoid missing a payment to their creditors. The reason for this is simple, once missed payment on an account, can take your once good credit score and set it off on a poor path.

As soon as this takes place, you can expect to receive a poor credit score or potentially be blacklisted. There’s good news though! At Just Affordable Loans, they will give you a personal or student loan that will save you from missing any payments and keep you on track with your credit score and studies!

Honesty and transparency are at our core

They pride themselves on being entirely honest and transparent with all their clients. All online loan applications are made a priority from start to finish.

Through the term of the loan, they ensure that all your information is confidential as well as the loan agreement and all it entails. They have expert agents waiting for your call to assist you with all your needs and queries.

Loans to suit your financial needs

Time is everything, and they understand the importance of saving time where one can in their busy schedules.

That is why Just Affordable Loans designed an online application to suit these needs where possible. Upon having submitted an application through their online platform, you’ll be met with immediate correspondence on the outcome.

They offer loans to those who need them most

Looking to study and need to cover those accommodation and registration bills? Whatever you need – they’ve got a solution for you.

Their personal loans range from R1 000 up to R100 000. If a loan is going to help you out of a troublesome situation financially, you need to meet a few criteria first.

You must be a citizen of South Africa that is 18 years or older. You should also be full-time employed and be prepared to give in personal documents along with your application.

These documents assist them in validating your record and affordability before approving the bad credit or study loan. Other documents you’ll need to present them with bank statements as well as proof of residence and recent payslips. 

Options for loans

You can apply for a secured and unsecured loan through them.

Their loan terms are between 3 and 60 months, depending on what you prefer, and when a shorter loan term is chosen, you receive lower interest rates. This essentially makes your loan more affordable to you.

Just Affordable Loans – Student loan

  • Loan Type Student loans

Benefits of Just Affordable Loans

  • Student loans

Student loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This student loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Just Affordable Loans – you can’t afford to pass up on this affordable option

Major lenders these days are turning away individuals that apply for credit simply due to their poor credit history.

While this is a risk factor and it needs to be taken into account with financial institutions that are in line with the National Credit Regulator, it still means that many are left with little access to lines of credit.

They can get you out of a sticky situation

In a world where people are used to doors being closed on them when it comes to a financial burden, it’s a rather tough pill to swallow when there’s little help. Well, all of this is now in the past, since there are lenders such as Just Affordable Loans that are willing to assist you in any way possible to ensure that you get out of that sticky situation and get back on track in no time with their quick loans!

Even though their company is still relatively small, they make sure that they offer loans to aid all financial situations and types. You can make use of a Just Affordable Loan to cover your tertiary education and feel at ease that you have affordable repayment terms throughout the duration of your studies.

Dealing with reputable lenders has afforded them the chance to offer you a choice when it comes to the loan type you choose to best suit your financial needs.

Impressive turnaround times

Once you apply for a loan with them, you will receive an outcome within 24 hours. Cash emergencies require instant cash, however, no matter the type of funds you require, they ensure that they get these funds to you or the institution (as with education) as soon as possible. Not only will you benefit from faster turnaround times, but you can also expect a low-interest rate and no hidden fees.

Affordability assessments to measure loan repayment

A part of their protocol with loan applications is to conduct an affordability assessment. This calculates the total repayment amount that you can afford by taking your income and deducting your expenses.

At Just Affordable Loans, they strive to provide you with the most suitable personal or student loans for your lifestyle, study and financial requirements.

man holding thumbs up

Just Affordable Loans is a trusted & reliable provider of student loans

In our review, Just Affordable 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.

✅ Just Affordable Loans is a registered credit provider in South Africa: ervie Reach

Customer Reviews & Testimonials

September 2018

Just Affordable Loans gave me exactly that, an affordable loan I can pay off easily while focusing on my studies.

Mamid N
— Durban —

April 2019

After applying for a Just Affordable Loans, my loan was approved on the very same day.

Vanessa E
— Howick —

May 2019

I am happy that there is still a financial services provider that goes out of its way to ensure that the customers gets the most affordable student loan offer.

Tshidiso M
— Mafikeng —

Just Affordable Loans Contact

Physical Address

  • 377 Govan Mbeki Ave Port Elizabeth Eastern Cape 6001 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday Closed –
  • Sunday Closed –