Rating based on 1,123 reviews
About Izwe Loans
Izwe Loans has operations spanning 4 African countries including South Africa, Kenya, Ghana and Zambia.
We are a registered credit provider that offer unsecured bad credit loans to customers who meet our income criteria and provide us with the necessary supporting documentation.
Affordability is ensured by our 60 month loan terms
We are an online lender and offer an alternative solution to traditional bank loans - we offer fast cash loans online without the need for security. We're a reliable lender and strive to ensure that our customers can always afford to make the repayments that we set up.
What Izwe Loans can offer you
At Izwe Loans we make an effort to get to know you and understand you financial needs and circumstances.
If you're blacklisted and need a personal loan for bad credit - we can offer you a personal cash loan solution that you won't be able to get at a bank.
Loans of up to R 50,000
At Izwe Loans we offer medium sized unsecured quick cash loans that range from R 1,000 to R 50,000 with loans terms of between 9 months and 5 years. We can therefore tailor a repayment schedule to meet your individual income and financial situation better than any other lender.
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In a Nutshell
- Average processing time 24 hours
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
It is our goal to ensure that our customers receive the efficient service that they need when they need it
South Africans choose to use us as their preferred credit provider because of a number of factors including:
- We offer longer loan terms for tighter budgets
- We have complete rate and fee transparency
- We offer competitive rates
- We offer a 100% online quick loan application
- We boast great customer service and support
It shouldn’t have to take you hours to apply for a personal loan, just in the same way that you shouldn’t have to wait for weeks to hear from your bank about the results of your credit application. At Izwe Loans, in addition to affordable rates, we also strive to complete the transaction as fast as possible and have your loan credited in under 24 hours.
Your supporting documents
In order to apply for a bad credit loan with us, you will have to send us your bank statements, pay slips and a copy of your ID. Our loans are unsecured which means that you don’t have to be a homeowner to get one and you can apply online at any time.
Put bad credit behind you with the help of Izwe
With the current state of the economy, it is not uncommon to find people who are struggling with bad credit records. But bad credit should not mean that you are at the end of your path. This is why we offer loans based on affordability and not credit record alone like other lenders. Often those who need credit the most are the ones who are refused it and we plan to put a stop to that. With our loans, you are not only able to meet your short-term financial needs but you can also place yourself in a better financial position over the long-term. If you are able to meet all your repayments over the term of your loan, you can improve your credit score and gain access to better loans in the future.
A user-friendly website – because life is complicated enough already
We do not like complicated which is why we try to keep everything as simple as can be. For this reason, we allow our customers to complete applications online using any supportive device. Our website is also home to a really nifty piece of software called a loan calculator. The calculator allows you to take your finances into your own hands and choose the borrowing amount and term that best suits your income and income frequency. You can also see what the highest repayment is that you can afford to ensure that you can repay the loan as fast as possible without placing your head under water.
Eligibility & Requirements
- Employed full-time
- Credit check
- Recent pay slips
- Bank statements
Other Products & Services
- Personal Loans
- Building Loans
- Student Loans
- Consolidation Loans
- General Loans
Customer Reviews & Testimonials
I do not find time in my busy day to visit a lender in-branch which is why Izwe’s online loans are perfect for me!
— Soweto —
With the help of Izwe, I could afford to repair my vehicle this month without spiralling into debt. Little loans with a big impact!
— Springs —
I am the type of person that enjoys taking finance into their own hands. Izwe’s online calculator helped to make that decision process so much faster.
— Paarl —