Rating based on 55 reviews

Izwe Loans

  • Loans bad credit up to R250,000
  • Low-interest starting from 27.75%
  • Repayment up to 60 months

In-page navigation

Izwe Loans homepage
Author Izwe Loans. Screenshot of Izwe Loans website.
[Accessed April 6, 2023]

About Izwe Loans

Izwe Loans has operations spanning 4 African countries including South Africa, Kenya, Ghana, and Zambia.

They are a registered credit provider that offers unsecured loans for bad credit to customers who meet their income criteria and provide them with the necessary supporting documentation.

Affordability is ensured by their loan terms

They are an online lender and offer an alternative solution to traditional bank loans - they offer fast loans online without the need for security. They're a reliable lender and strive to ensure that their customers can always afford to make the repayments that they set up.

Izwe Loans Services

At Izwe Loans they make an effort to get to know you and understand your financial needs and circumstances.

If you're blacklisted and need a personal loan for bad credit - they can offer you a personal cash loan solution that you won't be able to get at a bank.

Loans of up to R50 000

At Izwe Loans they offer medium-sized unsecured quick loans online that range from R1 000 to R50 000 with loan terms of between 9 months and 5 years. They can therefore tailor a repayment schedule to meet your individual income and financial situation better than any other lender.

Izwe Loans – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 27.75%
  • Loan Amount up to R250,000
  • Repayment 9 months to 60 months
  • Decision 24 hours

Benefits of Izwe Loans

  • Quick and paperless loan applications
  • Accessible financial solutions
  • Flexible loan options

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.

It is their goal to ensure that their 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:

  • They offer longer loan terms for tighter budgets
  • They have complete rate and fee transparency
  • They offer competitive rates
  • They offer a 100% online quick loan application
  • They 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, they 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 them, you will have to send them your bank statements, pay slips and a copy of your ID. Their 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 they 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 they plan to put a stop to that. With their 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

They do not like complicated which is why they try to keep everything as simple as can be. For this reason, they allow their customers to complete applications online using any supportive device. Their 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.

man holding thumbs up

Izwe Loans is a trusted & reliable provider of loans bad credit

In our review, Izwe Loans 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.

✅ Izwe Loans is a registered credit provider in South Africa: NCRCP4560

Customer Reviews & Testimonials

October 2018

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!

Ayanda T
— Soweto —

December 2018

With the help of Izwe, I could afford to repair my vehicle this month without spiralling into debt. Little loans with a big impact!

Jessica A
— Springs —

January 2019

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.

Jayde A
— Paarl —

Izwe Loans Contact

Physical Address

  • Aloe Grove, Houghton Estate Office Park,2 Osborn Road Mountain View Houghton Estate 2198 South Africa
  • Get Directions

Opening Hours

  • not available