Rating based on 19 reviews


  • Short-term loans up to R9,000
  • Low-interest starting from 10.5%
  • Repayment up to 65 days

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Author Binixo. Screenshot of Binixo website.
[Accessed January 19, 2023]

About Binixo

Binixo is one of South Africa’s most trusted online brokers.

Since they specialize in helping you find short-term loans, they’re focused on small loan sums of up to R9,000.

Saving time and money

One of the major benefits of using their services is that you don't have to search for loans and lenders yourself. This not only saves you a great deal of time but it ensures you end up with a reliable, registered lender that you can trust.

These lenders are NRC registered and you can rest assured that whichever one you choose, your information will be protected. It’s important that when applying, you provide Binixo with 100% accurate information to avoid being rejected or delaying the loan approval process.

Get your life back on track

If you’re short on cash this month, don’t worry, Binixo will help you find the most suitable quick loan online in just minutes.

You can use the loan to pay overdue bills, pay rent, afford transport, repair your car or purchase a birthday or anniversary gift for that special someone. Regardless of what you’ll be using your loan for, Binixo’s range of online lenders will help you access the cash you need.

Binixo Services

Binixo helps South Africans find affordable personal loans from some of the country’s most trusted lenders.

These include microfinance market leaders like Boodle and Cobol, to name but a few. Loans range from R300 to R9,000 with loan terms from 4 to 65 days.

Interest rates ranges

It’s always great to know what you can expect in terms of interest before applying for a short-term loan.

A completely free, online service

Since Binixo is a broker, they will not charge you any fees for their services. In addition, it’s important to remember you need to repay your loan directly to your chosen lender.

This usually happens via direct debit but, if you need more information, they have a comprehensive list of repayment procedures for their most popular lenders.

Bad credit, No problem

If you have bad credit, using Binixo’s services is a must! You will easily find a handful of leading bad credit loans and lenders and you won't have to worry about being needlessly rejected.

Binixo – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 10.571% p/a
  • Loan Amount up to R9,000
  • Repayment 4 days to 65 days

Benefits of Binixo

  • Our service is free
  • Choose between trusted lenders
  • Easily compare loan options

Short-term loan calculator

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

A four-step online loan application

With such a simple four-step online application you will be able to find your ideal loan in just minutes.

You simply need to select your ideal loan amount and term using Binixo’s online loan calculator sliders, select your ideal offer. Complete a loan application online and finally, get approved and wait for the cash to reflect in your account.

A full picture of the lending market

Binixo strives to offer you a full picture of the microlending market so that you can find a lender that can offer you the credit you need at just the right price. They also work hard to make sure that you can enjoy a simple, speed loan application process and enjoy fast loan approval.

Whether you’ve never taken out a loan, need a second loan, or are blacklisted, Binixo will go out of its way to make sure you can find a lender that will help you get an affordable short-term loan.

To qualify for a loan, you need to:

  • Have a South African ID
  • Have a bank account in your own name
  • Have access to the internet via a Smartphone, laptop, or computer
  • Be 18+ years old

In addition, you will need to prove that you have a steady monthly income or wages. This is a requirement that all lenders will have, regardless of how big or small they may be.

This is simply a result of regulations that require them to ensure customers are not over-indebted and that taking out a loan will not cause you financial difficulties.

Need some advice or information

Whether you’re looking for more information about credit ratings or want some sound financial advice, you can find it on Binixo’s website. Their range of helpful articles and blogs offers a wide range of helpful and informative advice.

Customer Reviews & Testimonials

June 2020

I have bad credit but have never had a problem finding someone who will help me with a loan because of Binixo, I recommend them for anyone who is blacklisted.

William J
— Pretoria East —

March 2020

Binixo helped me find the perfect loan that I could pay off at my own pace and not have to stress about.

Sarah M
— Bassonia —

May 2020

I found Binixo’s application to be simple and quick. In just a few minutes I had lots of loan options available for me! Love it

Princess M
— Johannesburg North —

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