Rating based on 16 reviews

Low Budget Loans


  • Loans bad credit up to R3,000
  • Low-interest starting from 28%
  • Repayment up to 6 months

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Low Budget Loans homepage

Author Low Budget Loans. Screenshot of Low Budget Loans website. [Accessed April 30, 2018]

About Low Budget Loans

Low Budget Loans has over 12 years of experience in the South African online lending industry.

We're a registered lender and take pride in offering our customers a transparent, flexible and reliable range of short-term loans - 100% online.

Building long-term relationships

We endeavor to build and sustain long term relationships with our customers by being transparent from the start and keeping the lines of communication wide open and, once you've successfully repaid your quick loan once, you can then apply for a bigger loan the next time.

What Low Budget Loans can offer you

At Low Budget Loans we offer small fast loans that range from R 1,000.00 to R 3,000.00 to South Africans who need cash quickly and have no intention to wait in a long queue at the bank to get it.

If you want to see how much a loan will cost you - visit our site and use our handy loan calculator.

Transparency and flexibility

At Low Budget Loans we offer transparent short term micro-loans that you can repay in up to three to 6 equal installments - which means that you'll get a lower repayment amount that will fit right in with your budget.

Low Budget Loans Loans bad credit

  • Loan Type Loans bad credit
  • Interest Rate from 28%
  • Loan Amount up to R3,000
  • Repayment 90 days to 6 months

Benefits of Low Budget Loans

  • Blacklisted loans available
  • Up to R3 000 available for loans

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.

Whether you have a Tablet, Smartphone or personal computer you can get the finance you need at your earliest convenience.

As an online lender, our business is all about helping you get an emergency bad credit loan quickly and easily so, we can have the funds on their way to you in just hours.

Our loan features

Our small personal loans are not designed to be used as a long-term solution to cash flow problems - they are ideal only for emergencies and must be used with extreme caution. In line with the Financial Conduct Authorities rules, we will never charge you more than 60% interest per annum.

Get your loan today

If you need a quick loan - Low Budget Loans are ready to process your request and transfer the cash to your bank account. To apply simply visit our website and click on the "apply for a loan" button which will direct you to our simple, 5-minute online loan application form.

Bad credit does not have to be a thorn in your shoe

For many people, bad credit remains a problem when applying for finance. So many lenders and financial institutions turn individuals away based solely on a number. Often those that need credit the most are the ones who are refused it. For this exact reason, we are here to help you get the cash you deserve with minimal hassle. We do not discriminate based on credit rating but rather consider applicants based on their affordability for the loan. Apply today – you will not regret it.

Small loans with a long-term impact

If you find yourself in a financial pickle a short-term loan is the obvious choice for financial relief. Short-term loans are perfect for avoiding long-term debt traps while giving you room to breathe. The best part is that you are able to improve your financial position with one of our little loans. If you are able to meet your entire repayment obligation without missing any payments then you stand to improve your credit score by the end of the loan term. This will allow you to access larger borrowing amounts at more reasonable interest rates. Make the right decision for your future today.

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Low Budget Loans is a trusted & reliable provider of loans bad credit

In our review, Low Budget Loans adheres to the compliance criteria in accordance with NCA regulations, where the granting the loan will not cause financial distress to the consumer.

Low Budget Loans is a registered credit provider in South Africa: NCRCP4858

Customer Reviews & Testimonials

February 2019

A fast application that can be completed from the comfort of my home; the simplicity I never knew that I needed but welcome with open arms!

Alizwa Q
— New Brighton —

April 2019

Little loans with a kick; a fair, competitive and affordable loan that helped me to get back on track. Thank you Low Budget Loans!

Andre D
— Johannesburg —

Low Budget Loans Contact Details

Contact Number



Physical Address

Postal Address

  • Postnet Suite 397 Private Bag x10, Elardus Park, 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