Rating based on 45 reviews

Ayoba Loans


  • Loans bad credit up to R250,000
  • Low-interest starting from 28%
  • Repayment up to 60 months

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Ayoba Loans homepage

Author Ayoba Loans. Screenshot of Ayoba Loans website. [Accessed March 4, 2020]

About Ayoba Loans

Ayoba Loans is your helping hand for personal loans for blacklisted and bad credit scores. We understand that things can go wrong in life with your personal finance and this can cause anyone to end up with a bad credit score.

Experience fast friendly services for applying for your personal loans as long as you have a South African identity document, a bank account we can pay your loan into, plus of course be earning a monthly income of at least R3000 per month.

We say yes even when you have bad credit

Ayoba bad credit personal loans are committed to being there for everyone in South Africa prepared to lend you a helping hand whether you have been blacklisted or have a bad credit record.

Enjoy great interest rates

When unforeseen circumstances strike and you need that helping hand then you know you can turn to us and we will provide you with the finance you need to get through it. Apply for the personal loan you need and enjoy great interest rates, flexible repayment terms and a simple easy step by step process online.

What Ayoba Loans can offer you

You have tried the rest now try the best and see how we have made the bad credit loans application process as simple and easy as possible and our friendly experienced consultants will assist you when you need them.

Apply with confidence at Ayoba Loans a fully registered legitimate financial services provider for the loans you need, and we do not ask for any security for our loans for complete peace of mind.

Bad credit and blacklisted personal loans

Everywhere in the world today, more and more people are falling into the debt trap and are drowning in debt. Financial institutions are making it easier to obtain finance so that people can purchase today and pay tomorrow because larger items are too expensive to pay cash.

Quick and easy loan applications

With the ease of applying for credit cards and personal loans, a person can end up so deep in bad debt they are unsure on how to get out of this trap. Our simple loan application for bad credit loans helps many people rehabilitate themselves and these are only successful if people learn not to fall into a similar situation again.

Ayoba Loans Loans bad credit

  • Loan Type Loans bad credit
  • Interest Rate from 28%
  • Loan Amount up to R250,000
  • Repayment 3 months to 60 months

Benefits of Ayoba Loans

  • Low-income friendly loans
  • Quick response time
  • The easiest online application
  • Bad credit loans up to R250,000

Loans bad credit 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 Online loan calculator is subject to our terms of use.

At Ayoba you can get a quick bad credit loan without the hassles

Ayoba loans understand that anyone can end up with a bad credit score or be blacklisted on the credit bureau.

Most banks will not even consider giving you a quick loan when you suffer from this, but we are there for you to help you with the finance you need when you need it the most.

Will I be approved for my bad credit personal loans?

We have provided requirements for our bad credit personal loans and further information you can read to make your application process a smooth one. You will not have to wait long for an answer either once you have completed our easy online application. Complete the fields in our application form and follow the steps to supply your personal information and upload supporting documents.

Ayoba Loans know you are in a jam and need money fast to take the load off your shoulders and get your life back on track. Perhaps you are already at your wit's end after applying at other online loan companies and if so you will find Ayoba Loans a breath of fresh air.

Begin your personal loan application today

It does not matter whether you have been declined by other loan companies or banks already try our speedy application process and be pleasantly surprised by being approved.

Having bad credit or being blacklisted is now becoming a common problem with thousands of people in South Africa but that does not mean an end to getting finance when you really need it. Why not apply with Ayoba Loans that extend a helping hand to all South Africans that need n bad credit personal loans.

Customer Reviews & Testimonials

August 2019

Very happy they approved my loan after I was turned down by two other personal loan services. I have told all my friends that Ayoba is the loan company you can trust to help you when others turn ...

Arthur S
— Soweto —

April 2019

When I needed a personal loan I did not know who to turn to because I have been blacklisted by having medical bills I paid late. It was a simple easy process applying at Ayoba Loans and I am deli...

Merle R
— Krugersdorp —

Ayoba Loans Contact Details

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