Blacklisted Loans: A Solution For Those With Bad Credit

Blacklisted loans are a top concern for the many people in South Africa who suffer from bad credit. If you have bad credit, chances are that you have already been blacklisted by the banks. This means that you cannot apply for a personal loan and, depending on the exact state of your credit, will probably have trouble applying for a mortgage or business loan. If you are in this situation, there are a number of things you can do to get the money that you need. There are resources out there that will help you get a loan and over time, improve your credit.

Do Credit Repair Agencies Work?

There are a number of agencies in South Africa that advertise themselves as credit repair agencies. Instead of offering blacklisted loans services, they claim to help you fix your credit so that you can apply for a regular bank loan. While this is great in theory, there are a number of problems with these agencies. For one thing, many of them are not real agencies at all, but scams designed to take the little money you have. Scam agencies that prey on the poor, claiming improved credit scores, have become such a big problem that the Federal Trade Commission has issued a list of scam warning signs. They advise that you stay away from companies that ask for an initial payment upfront and companies that claim to do impossible feats such as creating new credit profiles or erasing bankruptcies from your credit report.

There are also, however, a number of legitimate credit repair agencies. While most of these are run as nonprofits, it is important to remember that scam agencies can be nonprofit businesses as well. A legitimate credit repair counselor will help you develop real strategies for getting your credit back on track. While credit counseling can be an invaluable service, it can take years to improve your credit. If you need money now, blacklisted loans may be your only option.

How Can Blacklisted Loans Help?

A blacklisted loan is designed specifically for someone who has bad credit. Our company specializes in loans between R1000 and R10000. These loans are structured as unsecured micro loans and are designed to help those who have been blacklisted by the banks. Unlike a regular bank loan, you need have no security to apply for a blacklisted loan. They are available to anyone between the ages of 18 and 65 who have permanent employment and receives their pay electronically. In order to apply, you must supply the loan agent with your latest month’s payslip, last three months worth of bank statements, which show salary deposits, a copy of your identification and proof of address from within the last three months.

It is important to remember that taking out any type of loan is a responsibility. You should always make sure that you could pay back the lender, within the specified time frame, before you submit your application. If you have been denied by the banks and do not know where to turn, however, blacklisted loans may be the solution you are looking for.

Don’t wait – Contact us today¬† – ONLY IF YOU ARE SERIOUS ABOUT A LOAN!


  • Your last 3 months bank statement reflecting your salary
  • Your South African ID
  • Your monthly payslip
  • Your proof of residence

Pre-qualification takes less than 1 hour.

Simply complete the application and see the response!


  • Be A South African Citizen
  • Be employed for 3 months or longer with the same company
  • Have a salary that is paid into your bank account
  • Must receive a formal payslip from your employer every month


  • Self employed
  • A commission earner only
  • Under administration or debt review
  • Weekly or fortnightly paid
  • A Pensioner