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Personal Loans

for people with bad credit

Personal loans up to R150 000


Apply for a personal loan at a time that is convenient for you even if you have bad credit or no credit.

No face to face interviews. We will communicate directly with you via email or sms.

No security needed.

Cash deposited directly into your bank account.

Blacklisted clients welcome.


complete an online personal loan enquiry form by clicking here.

GovLoans services


Whether you need a personal loan for an expensive item, unforeseen emergency or a well deserved holiday, GovLoans has a low-cost loan for bad credit clients option to suit your needs. Our service to you is free, and applying for a loan has been simplified for added convenience.


visit our loan criteria page to see whether you qualify for a loan.

Personal loan requirements


Applying for a loan is easy!
1: Completing the online enquiry form on our website.
2: An application form will be sent to your email address. Please complete and return it to us  together with:

A copy of your ID (certified)

A copy of your Latest Payslip (stamped by your employer)

3 months bank statement (must be printed and stamped by your bank teller)

Proof of residence

3: After receiving your supporting documents we will send your Quote the same day, which you can either except or reject


Q. Can bad credit clients apply for a personal loan?
Q. Can I consolidate my existing loans and accounts with a GovLoans personal loan?
Q. Do you offer Debt counselling or debt review to your clients that does not qualify for a GovLoan loan?



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