can you get a loan if you are blacklisted?

Are you blacklisted? Are you not able to get a loan big enough to cover your expenses? Do you not have any assets to lend against? Well, you are still able to get a loan to carry you to the next month.

Enter your details below to apply for Blacklisted Personal Loans

The banks will most likely not give you a loan, not even to consolidate your debt, but there are so many other accredited loan lenders that are able to offer you loans of sometimes up to R 50 000. The trick is that you must show that you can now afford this loan, even if you did mess up your credit record. What they look for is your current affordability and not your history. These loans do carry a higher interest rate than usual, as you are still a higher credit risk.

Here’s how:

You must be permanently employed. So check with your employer that they have registered you as permanent employee.
You must NOT be under debt review or administration.
You must be a South African Citizen, with a green bar coded ID/card ID
Your latest three months bank statements where you receive your salary
Your latest pay slip

Apply here for easy online blacklisted loan applications

Amnesty for blacklisted people

A new law South African law requiring lenders to erase defaulters’ credit history took effect Tuesday despite protests from banks and opposition parties that branded the move as populist vote-buying.

Credit bureaux now have two months to wipe “adverse consumer credit information” from their records, according to the law, which comes ahead of elections on May 7.

“The amnesty doesn’t remove the debt, it just removes the information related to an account,” said National Debt Mediation Association CEO Magauta Mphahlele.

Information to be scrapped includes descriptions of defaulters, unreachable debtors and sheriffs’ orders.

“You don’t have to have paid off that debt to have the negative description removed,” Mphahlele told AFP.

“But if the credit provider has obtained a court judgment against you, that judgment will only be removed if it has been paid.”

Almost 10 million South Africans — 48 percent of people with credit records — are in arrears on payments or have seizure orders to their names.

Blacklisted consumers battle to secure loans, rent housing or subscribe to certain services.

Some also struggle to find work since their employers use the credit system to check up on job applicants.

Access to credit in South Africa has widely expanded since the advent of democracy in 1994.

But many poorer citizens are trapped in debt, often taking unsecured loans at up to triple the normal interest rates.

Low-income consumers often fall prey to loan sharks to fund ostentatious lifestyles, buying clothes and electronic equipment on credit.

Banks opposed the new law, saying it left them little means for tracking a loan applicant’s payment behaviour.

Opponents have also slammed the law as an election ploy ahead of May 7 polls, in which the ruling African National Congress looks set to win a reduced majority.

Many misunderstand the law to mean their credit itself has been scrapped, said Mphahlele, who raised concerns that it would not make consumers more responsible spenders.

“We don’t see how it will impact on the repayment behaviour of consumers,” she said.


debt-free with debt consolidation

Get debt-free with a debt consolidation loan. Are you disciplined enough to take on a debt consolidation loan? Debt consolidation can help people who are in debt to take back their financial lives!

Getting a debt consolidation loan is easier than it looks, with just a few things to consider first:

  • Are you a home owner?
  • Do you own any other assets?
  • Are you fully and permanently employed?
  • Do you receive your monthly salary in a bank account?

Then you stand a chance of securing a debt consolidation and start living a debt free life.

One of the first things you will need to do when you get yourself a debt consolidation loan is to change your spending habits by drawing up budgets and sticking to them. It sound easy but this is the first thing that can trip people who have just qualified for debt consolidation loans.

Apply for blacklisted cash loans online up to R15,000

Cash loans are hard to find if you are blacklisted in South Africa. And many will charge you high interest just for the privilege of applying for a loan. We show you a few that are easy to apply for. Hint: apply with as many as possible and compare their payback options and interest rates You Apply online at

Call their call centre on 0860 022 150. Their operating hours are: Mon – Fri 8:00am – 5:00pm and Sat 9:00am – 2:00pm. They are not a FSP but they will pass you’re request through they’re call centre.

Loan Seekers. Apply at  Office: 087 940 3073

As always, please read terms and conditions carefully before putting you details through… KNOW WHAT YOU ARE APPLYING FOR!

Apply here for loans for Blacklisted People

Blacklisted loans in Pretoria

Are you permanently employed? Do you have your salary deposited into a bank account? Have you been permanently employed for more than three months? You can apply from anywhere as loan applications for loan for blacklisted people in Pretoria are also available from anywhere in South Africa. You apply online and are given the opportunity to supply your information securely over the internet.

The only people who should apply for a blacklisted loan is exactly that: people who are blacklisted or have bad credit and are unable to apply with other credit providers. Applying for a blacklisted loan in Pretoria is easy if you apply online as the same credit is available for you and you will not have to travel to loan papers. To see how much you qualify for you will need to apply with as many credit providers and only accept one as that loan will still need to be paid back.

You will not be approved if you are under administration or are in debt review. If you are struggling with paying your debts apply for debt help rather than a blacklisted loan.

Debt Consolidation with Nedbank

Nedbank offers debt consolidation loans, debt management plans and other financial planning tools. But specifically to get yourself a debt consolidation loan with Nedbank, whether you’re a client of theirs or not.

First debt consolidation loan you can get is by applying for their credit card in order to do a balance transfer. You can apply for credit card such as a green back card and transfer balances from other banks into the Nedbank credit card. Or more like pay off everything else and pay off this card at the current advertised rate of 3 to 36 months at an interest of 13.4%, but of course do read your terms and conditions.

Secondly try this method of Nedbank debt management: If you have property that you can put up as collateral, why not apply to re-mortgage your home. This way the extra money that you get you can put into your home. Although this is a risky move, as you will essentially be pushing your debt into another debt vehicle, you can pay this off quicker and with lower interest rates. If you increase the amount you pay per year you can pay this debt off safely without having to get into trouble with the credit regulators.

Tip: apply for debt consolidation with as many companies as you can and match their interest rates and terms.

Apply here for your debt consolidation loan!

How to qualify for Vehicle Finance for Blacklisted People

Blacklisted but need a car? Join the queue! You are not the only person who is in need of a car but are blacklisted. The reason why you don’t get vehicle finance when you’re blacklisted is because you don’t qualify for a loan, just like if you were to borrow money for personal use, vehicle finance is the same as making a loan.

Vehicle finance for blacklisted people works in a different way though, you actually don’t get a loan yourself, you get loaned the car while a company makes a loan on your behalf. They can make a loan on a brand new vehicle, depending on your individual profile looks like, or they can get a second hand vehicle finance. By them loaning you they’re car, we mean that exactly, it’s not your vehicle until you make all the payments are made. So if you want to own the vehicle you will have to apply with as many companies as possible to get a deal that says that you will be able to own the vehicle.

So, do you really qualify for vehicle finance? You don’t. You are just able to get a company to ‘rent’ you one of their vehicles.

Do you still want to go ahead? Here are typical requirements for qualifying to rent-to-own a vehicle.

A rather big deposit. Think 20-25%. If you take the no deposit route just know you will have to pay a lot more over the rental agreement.

A permanent job with a good salary, and the salary has to be deposited into a bank account. You have to produce bank statements that show that your salary has been deposited into it for the previous three months or more.

You should a valid driver’s license.

Be able to currently afford it the loan vehicle.

Loans for Blacklisted people in Cape Town and Western Cape

There are dozens of companies willing to help a hand by giving those who are blacklisted a loan in Cape Town. Although getting a loan in Cape Town is as easy as getting a loan in Johannesburg as most loans do not require you to go into their office. Some of the companies that are trusted in giving qualifying people, especially if they are blacklisted, are listed below:


Based Wynberg, Cape Town in the Western Cape, they offer loans of up to R 180, 000. They also deal with granting loans for blacklisted people in Cape Town and the rest of the Western Cape area.

What do you need?

1)      3 x Months Bank Statements
2)      1 x Latest Salary Slip
3)      Copy of ID
4)      Proof of Residence
go to for more details

LMA Loans

They specialise in micro loans even for blacklisted people. They offer up to R 15, 000 personal loans.

Although they are based in Cape Town, you can apply online for a loan with them. But you will need to furnish them with the following documents:

The  latest payslip (must have the company name and the engagement date.)

A three month bank statement (with a fica document that is proof of address )

Certified copy of your South African ID


Apply online for African Bank debt consolidation loan

Out of all the major Banks in South Africa, African bank does not really sell their debt consolidation loan as well as the others. Maybe they will give us specific debt consolidation loan packages in the future.

What African Bank stresses though is that you should check the pros and cons of taking a debt consolidation with them first, and then you can go ahead and apply for a loan.

For now, if you would like  a debt consolidation loan from African Bank head over to their website and make an application.

Extra information: Loans 0861 111 011 | Credit Cards 0861 000 555 | Applications 0860 333 004