Rating based on 12 reviews


  • Loans bad credit up to R4,000
  • Low-interest up to 38%
  • Repayment up to 65 days

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

About Blink

Come to Blink for a bad credit personal loan.

Blink does not see bad credit as a closed-door and understands that there is more to life than a score. The full process is done online to make it convenient for you.

As a first-time lender, Blink offers you R2,500 to be paid back in one month. The benefit is that there are no drawn-out fees. This is an example of a payday loan

Get more when you take out your next loan

If you choose to use Blink for another loan at a later date, you'll be given up to R 4,000 credit with a more flexible repayment term.

Nine times out of ten, you'll be requested to agree to a credit check when you apply for a loan. Depending on your credit score, the lender will either adjust the interest rate they'll charge you or in the worst-case scenario reject your loan application altogether.

Lenders use your credit score to assess how much of a risk it would be to lend you money. It allows them to estimate your ability to pay back your bad credit loan and how likely it's that you'll do so. Bad credit's not a hard and fast rule, though.

No credit history, No problem

A credit score is based on your financial history. As a young adult, you may receive a bad credit score purely because you have no credit history, and there's not enough data available to evaluate the risk you pose to a lender. To build up a good credit score, you'll need to have six years' worth of credit history.

Blink Services

When Blink receives your application for a bad credit personal loan, they'll take all factors into account.

Whether your credit score is terrible or not, there are other factors they keep in mind when evaluating prospective clients. Unfortunately, if you're given a bad credit loan, you'll most likely be charged a higher interest rate.

Quick turnaround on loans

Loans from Blink can be paid into your account within 24 hours of signing the loan agreement. If you would like to receive the payment immediately, you can pay the extra R 57 and the payment will be paid into your account within seconds.

Do you qualify for a loan

To qualify for a personal loan with Blink, you need to be 18 years or older, a South African Citizen, and have gainful employment. Your loan repayments will be deducted by debit order every month, so you need a valid bank account in your name.

In South Africa, you're eligible for one free credit check per year. You should take advantage of this. Regularly checking your credit history means that you can catch errors and correct them before they negatively impact your future transactions. It can also help you avoid identity theft before it becomes overwhelming.

Blacklisting, late payments, and bankruptcy will haunt your credit history for ten years after the fact. So it's always important to keep your credit history as healthy as possible.

Blink – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 38%
  • Loan Amount up to R4,000
  • Repayment 61 days to 65 days

Benefits of Blink

  • Transparent online loans
  • A dedicated support team
  • Flexible short-term loans

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.

Go blink or go home! Get the fastest deal from the best lender

Get your bad credit personal loan from Blink in a few easy steps.

First, here are the documents you'll need to apply:

  • Your most recent payslip with all the relevant information
  • Banks statements dating back 90 days
  • Your South African ID

The online application form requires you to fill in your contact details, employment details, and your income and expenses. This information does a lot to help Blink determine where you'll be able to afford the loan or not. It plays a large if not more of a role in your chances of getting your bad credit loan approved as your credit record.

Did you know that your credit report will reflect positive financial behavior after three consecutive months of good management?

Here are a few tricks to getting your credit score back under control

  • Avoid making late payments by making use of debit orders and making sure you have money in your account when it's time for them to go off.
  • Pay off and close unnecessary accounts and unused credit cards.
  • Don't use more than 35% of your credit limit.
  • Save money by getting a debt reconciliation loan and paying off the extra bits and pieces.
  • When you're looking for a loan using a broker, too many loan applications count against you.
    If you find you aren't going to be able to make a payment, don't keep quiet! Contact your lender and explain the situation. Lenders are always willing to make alternative payment arrangements as long as you reach out.

Actions that negatively impact your credit score:

  • Late or missed payments
  • Blacklisting due to a court judgment against you
  • Applying for too many loans in too short a time
  • Riding your credit cards and accounts to the limit
  • Having too many accounts or credit cards at one time

For a great deal on a short-term loan, check out Blink's website and follow the prompt. Blink evaluates you according to your merits, not your failures. Financial relief is within reach!

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Blink is a trusted & reliable provider of loans bad credit

In our review, Blink adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Blink is a registered credit provider in South Africa: NCRCP12599

Customer Reviews & Testimonials

June 2020

Blink helped me out of a few of my rough patches. They offer the kind of loan you can pay off easily, and their service is fast.

Gene T
— Cape town —

March 2020

I got a loan from Blink even though I was blacklisted a few years ago. They look at your entire situation and try to help.

Tinus W
— Pretoria —

June 2020

Give Blink a try, you won't regret it. The quickest online service I've had and you can get paid immediately!

Stuard E
— George —

Blink Contact

Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed