Welcome to Just Affordable Loans. Apply now! or read more about our online personal loans in South Africa. We do personal loans in South Africa quick and fast online that is affordable for our customers.

We do our best to be the fastest responding loan company in South Africa. We have been doing personal loans for more than ten years now which makes us one of the most experienced personal loan companies in South Africa.

It is in our best interest to serve our personal loan customers with quick response and hassle free service. Even if you are looking for loans for blacklisted people or if you are looking for loans for people with bad credit, we do it all within 2 hours of your online personal loan application completion. We do all kinds of personal loans like: short term loans, consolidation loans and just plain affordable personal loans.

Unlike other personal loan companies we do not ask ANY upfront fees to see if you qualify for a personal loan blacklisted, bad credit or not. We also do not ask you for a percentage of your personal loan amount for our commission, once you get your money, the financial institutions we work with pay our commission directly to us. With Just Affordable Loans all you do is Apply Online, we get your personal loan application and we will contact you within 2 hours if you qualify for a loan.

Just Affordable Loans is a NCR registered financial institution, so we do everything according to the rules and regulations enforced by the NCR and the credit act.

Here is a list of some of the Personal loans online in South Africa that Just Affordable Loans provide:

– Affordable Long Term Personal loans online any amount from R1000 – R100 000

– Consolidation Loans online up to R100 000

Don’t let your bills get a hold of you, let us take the Financial Burden of your shoulders, even if you are looking for loans for blacklisted people or loans for people with bad credit, we don’t mind, just Apply now!


Please take a moment to apply with us. Please make sure that all the information is correct, we will contact you soon via email, so please make sure that you give us a valid email address.

Please make sure you enter the correct information when you complete the application form. We use this information to contact you.

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I agree to the Loan Terms and Privacy Policies and I hereby give consent that a credit check and all other necessary checks be conducted by Just Loans or any of their business partners or financial houses for full application review purposes.

Loan Terms

Loans Terms

Terms and conditions including undertakings given by the consumer:

The consumer undertakes only to issue payment instructions whilst he is in a financially sound position, indicating that once his salary proceeds are paid into his bank account, he will be in a position to honour all payment instructions issued by him.

The Consumer consents that WE or our Credit providers that we deal with may receive , compile and retain confidential credit information about himself for purposes of deciding whether to render the services described herein and to monitor his credit profile in instance where no payments are received for services rendered by US and agrees that WE or the credit provider that we deal with at their own discretion may terminate the rendering of future services to him in instances of no payment received.

We do not grant any credit facilities to the Consumer for rendering the services and all fees due to us or the credit provider that we deal with must be paid on the due date specified. The Consumer consents that WE or the credit provider that we deal with may share his credit information with any tracing agent or collection company in the event that he defaults on the repayment of services rendered.

Further information on rights and obligations:

This quotation is not based on all required personal information of the Consumer and the approval for the application for credit, is at the discretion of the Credit Provider, who may decline the application or withdraw this quotation.

The Consumer authorize the Credit Provider to conduct enquiries with Credit Bureau and creditors of the Consumer to establish the Consumers affordability and credit profile.

The Consumer understands and acknowledges that if he/she should default on any payment that the Credit provider will be able to enforce the agreement and claim the full outstanding balance and the Consumer will be liable for additional costs and the Consumers credit record will be adversely affected.

Admin Fees and initiation fees are NCR (National Credit Regulator) regulated.

The Consumer undertakes to notify the Credit provider, immediately should any of the following changes occur (Failure to inform the Credit provider entitles the Credit Provider to terminate the agreement and claim the full Balance):

Change of employer

Consumer becomes unemployed

Change of banking account details

Change of residential, postal or work address

The Consumer will not without prior notification to and consent of the Credit Provider change his/her debiting banking account or divert his/her salary to another bank account or suspend the Credit Providers payments. The Credit Provider reserves the right to per sue charges and investigative action should the Consumer breach the undertaking.

Default Administration Costs – Regulation 46

If the Consumer is in default under the Credit Agreement the Consumer will be responsible for the payment of all default administration charges, in the respect of each and every letter of demand, which is R29.00 plus VAT of 14% per letter and the necessary expenses incurred in delivering such letter.

Credit Provider’s right to terminate the agreement:

The Credit Provider shall have the right to, without prejudice to any other of its rights and upon written notice to the Consumer, terminate the Credit Agreement and to claim the unpaid balance of the debt, the unpaid interest charges and all other fees and charges payable by the Consumer under circumstances where:

Has been in default and remained in default irrespective of receiving notification of its default

The Consumer becomes deceased

A certificate signed by a nominate designated manager of the Credit Provider, shall be prima Facie Proof of the Consumer’s indebtedness in terms of the credit Agreement. The authority of the manager need to be proven by the Credit Provider.

Renewal policy

We do assist clients with more than 1 active loan as long as their current loan with our providers is up to date. After you made 1 or more installments depending on which credit provider we deal with we can offer second and third loans depending you are not in arrears, all other loans will be put through the same criteria as the first loan to insure that affordability and all other NCR (National Credit Regulator) rules are met.

Code of practice/policy on responsible lending:

The codes of practice/policies we enforce are strictly according to the rules and regulation according to the National credit Regulators of South Africa NCR (National Credit Regulator) and the national credit act. (“NCR or National Credit Regulator is the regulator under the National Credit Act 34 of 2005” (the Act). Please feel free to download a copy of the act here.

Disclosure of fees including the annual percentage rate: (APR)

According to the NCR (“NCR or National Credit Regulator is the regulator under the National Credit Act 34 of 2005” (the Act) the fees and annual percentage rates for Short Term Loans in South Africa is 5 % monthly or 60 % per annum. Please see the National Credit Regulations, page 43, Part C, “Maximum prescribed interest and initiation fees” section Short Term Credit Transaction. Download a copy here.

The financial service providers that we work with always states what the cost of the loan that you applied for will be. Our short term service providers have an annual interest rate of 32.10% to 60% APR. Included in this is their R57 per month service fee that helps cover the cost of the administration of your account and an initiation fee which all fall in line with the NCA. All of this is shown up front so you can judge the cost of a loan before you accept your quotation. All fees include 14% VAT.

Implications of Late & None Payments

We at Just Loans work strictly according to the NCR rules and regulations. If you fail to make a payment or do not have funds available in your bank account for debit order agreement according to the contact without previous agreement with our company, additional cost will be charged.
If your debit order does not go through on agreed date, we will first contact you the same day via email, text message and phone call. Unfortunately your bank will also charge you a service fee for the unpaid service, but this has nothing to do with Just Loans and the person involved.
If Just Loans fail to get hold of you, they will then again try to contact you the next day via email, text message and a phone call. After we have tried for 3 days and we still cannot get hold of you additional costs will be added according to the NCR.
Continued non-payment of your instalment might result in we forwarding your information to our legal department. This will also result in a default against your name and damages your credit record. We really do not want to go that route so please make sure that there are funds available in your bank account on the date agreed on the contract with Just Loans and the client.