Rating based on 11 reviews


  • Loans bad credit up to R9,000
  • Low-interest starting from 10.5%
  • Repayment up to 65 days

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Binixo homepage
Author Binixo. Screenshot of Binixo website.
[Accessed January 23, 2023]

About Binixo

Binixo is an online loan intermediary - Which means that they provide access to a panel of lenders who cater to clients with specific needs. In this case, bad credit loans.

Binixo is a company that cares about making a difference. Namely, for the people in South Africa that have found themselves in difficult financial circumstances. Low salaries, bad credit, and difficult-to-make payments are all things that the average person faces. With all these factors to consider, Binixo stands out by going the extra mile to help ease the burden.

Binixo makes a difference

Binixo has a solution to these problems. They believe in providing affordable loans to everyone, including disadvantaged individuals and people who may have violated loan terms in the past. They believe everyone deserves a second chance and are happy to provide loans that may give someone a chance to get back on their feet.

This is why Binixo provides loans for bad credit people and those with a bad credit history. Their blacklisted loans take only 15 minutes to apply for and have a 95% approval rate.

How Binixo works

Binixo is not a lender itself, but a broker. This means that while they don’t act as a lender, they’ve partnered with a panel of trusted and reliable credit providers. These lenders will be the ones providing you with your loan. So once you’ve applied for a loan with Binixo, they refer you to a company that’ll take care of the rest.

Binixo also does not charge any fees to the people who use their services and only work with NCR-registered lenders. They do this to ensure you don’t come into contact with any fly-by-night lenders that overcharge and under-deliver. By keeping a transparent and trustworthy service available to you, Binixo ensures your peace of mind.

Binixo Services

Binixo provides a wide variety of loans. They specialize in providing loans to people with a poor credit history or to those who have been blacklisted.

Many companies avoid doing this, and it makes repairing a credit score complicated. Binixo feels that they need to go further to help this demographic.

Their loans are available 24/7, and with an application that only takes 15 minutes. Their service is convenient and easy to use. They focus on providing a transparent service that has no hidden fees or pitfalls.

What Binixo can offer you

Binixo offers loans between R300 and R9000. They offer these amounts over a period of between 4 and 65 days.

These short-term loans are perfect for someone trying to rebuild their credit score while alleviating any financial stress they may be experiencing.

They even offer loans without credit checks. The average loan that Binixo can provide you access to will have an APR between 124% and 212%. It’s best to familiarise yourself with APRs and how they work before taking out a loan.

Bad credit, No problem

Bad credit loans are always available at Binixo. Their policy allows their clients to have access to essential loans when they need them most. After a simple application process, clients can have access to funds within one day of applying.

Binixo aims to keep their streamlined process at the high standard their customers deserve. By maintaining this sterling standard of quality, they ensure their relevance in today’s ever-changing financial game.

Binixo – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 10.571% p/a
  • Loan Amount up to R9,000
  • Repayment 4 days to 65 days
  • Decision Same day

Benefits of Binixo

  • 24/7 lending
  • Simple repayments between 4 and 65 days
  • Bad credit loans of up to R9000
  • Easy online application

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Applying with Binixo couldn’t be easier

Loan applications with Binixo are as easy as counting to ten.

The online loan application process takes a mere 15 minutes, and the application form is automatically processed by their system. It’s weighed against the conditions of their lenders before approval.

You’ll be notified of the lenders you’ve qualified for within a few minutes. After deciding which lender suits your needs, signing a contract with them is the last step of the process. The money will be sent to your account within 24 hours.

What you need to apply

Binixo needs a few things from you to process your bad credit loan application. Namely, the following:

  • A valid RSA ID
  • A valid bank account
  • You must be 18 years of age
  • You must have an internet connection

If you meet the above requirements, you can apply. Just go to the Binixo site and enter your details into the required fields to get started.

How the application works

Once your application is entered into the Binixo database, you’ll be notified when you meet the requirements of our lenders. You’ll then be redirected to a creditors site where they may request additional details. What they ask for depends on what they need to ensure you qualify for their services.

Once that is taken care of, just sit back and wait for the crediting of funds. This takes an average of 24 hours, and you’ll have the payday loan you need. It’s as simple as that. Head to the Binixo site today to see what they can do for your pocket.

Customer Reviews & Testimonials

June 2020

Binixo helped me get a loan when no one else would.

Bernard M
— Cape Town —

July 2020

Without Binixo, I would never have improved my credit score.

Terrence M
— Port Elizabeth —

April 2020

I always go to Binixo when I need a loan - they know what’s best for me.

Maureen J
— Johannesburg —

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