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Last Updated: 2023/04/11 | Loans


For anyone who is currently looking for FNB loans for blacklisted clients, we understand the frustration of having a bad credit.

As we all know, if you have a bad credit score, it is very difficult to qualify for any personal loans and short-term loans.

It is for this reason with FineHelp, we embark on a Journey to assist you in finding a perfect short-term loans even if you don't qualify with other lenders.

If you need to apply for personal loans with FNB and have a bad credit histroy, your application might not be succesful.

This is because all South African banks are registered credit providers and comply with the National Credit Regulator.

However with FineHelp, below is a list for you of lenders which can help you with bad credit loans.


FNB Loans for Blacklisted: Bad Credit

South African Bad Credit Lenders

  1. Mulah
  2. Hoopla
  3. Cube Finance
  4. Wanna Loan
  5. SupaSmart
  6. EC Loans
  7. EZI Finance
  8. Cyber Finance
  9. Binixo
  10. Fincheck
  11. Hippo
  12. Loan Match SA
  13. Loan Connector
  14. Loan SA
  15. SA Loan Service
  16. Loan Locator SA
  17. Ayoba Loans
  18. TA Consulting
  19. Mr Cash Loans
  20. Easy Cash Loans
  21. Budget Cash Loans
  22. Loan Tracer
  23. Low Credit Loans
  24. Just Affordable
  25. Global Finance
  26. Kathlego
  27. iLoans
  28. SA Personal Loans
  29. Debt Lab
  30. Find a Loan SA
  31. Legal Loans
  32. Loan Picker SA
  33. Just Loans
  34. SA 360 Loans
  35. Finance Wizard
  36. Tenant Loans
  37. Low Budget Loans
  38. Xcelsior Loans.co.za
  39. Ec Online Loans.co.za
  40. Letsatsi Finance
  41. Braamfin Loans
  42. Uloans
  43. Powwow Loans.co.za
  44. Loan4debt
  45. Bridge Loans
  46. Hmt Loans
  47. Pronto Loans.co.za
  48. Bloans
  49. Bradbury Finance
  50. Izwe Loans
  51. Fasta Loans
  52. Loan Assistance
  53. Showtime finance
  54. Mazuma Loans
  55. Hoopla Loans
  56. Loans For SA
  57. Quick Consolidation Loans.co.za
  58. Supa Smart Loans
  59. Yebo Cash Loans
  60. Power loans
  61. Challenor Finance.co.za
  62. Atlas Loans
  63. Loanfin
  64. Quick Little Loans
  65. MAS Financial Services

So, before you apply for any short-terms loans, let us look at some of the important factors you should consider before making an application.

Bad Credit Loan Tips

If you are looking for FNB loans for blacklisted clients, It's possible to get a loan with a bad credit score but not with any lender.

A bad credit loan is designed for those who have a credit score of less than 575 and a limited credit background.

They have a higher interest rate than conventional loans, but they will help you satisfy immediate financial needs while still improving your credit score.

These loans are available as secured or unsecured loans.

There are a number of online lenders that specialize in offering loans to people with poor credit.

People with bad credit can get bad credit loans from a variety of online lenders, but the definition of a "creditworthy borrower" varies by institution.

Few lenders are more stringent than others, have different payments and terms of engagement, and have different accrued interest rates.

Before making a decision, it's important to shop around for the best terms and conditions.

How To Get A Bad-Credit Loan

Securing a personal loan with poor credit necessitates thorough investigation in order to locate the most appropriate and affordable loan.

You may have fewer choices because of your bad credit, but that doesn't mean you're absolutely powerless.

Here are few pointers to help you get a poor credit loan:

Review your credit score It's better if you begin by figuring out what your credit score is.

This can be achieved by registering on ClearScore website of TrunsUniot to get you detailed credit score history.

When taking out a loan, it's important to make sure you can handle your household budget and still making a monthly loan payment.

Compare bad-credit loans: Whether you currently have a contract with a bank or financial institution, or if your account is in good condition, they will be able to help you out with a loan.

You should still do your homework online and read unbiased reports of lenders to make sure you're having the right price.

Consider secured loans: If the credit score is below normal, secured loans are easier to obtain.

These loans do not need collateral, but they have lower APRs.

Take advantage of prequalification: Many lenders would let you verify your eligibility for a loan before doing a hard credit check.

This is a smart way to look at poor credit loans without negatively impacting your credit score.

If possible, add a co-signer with a decent credit rating to improve your odds of applying for a loan and perhaps lower your interest rate.

Being a co-signer, on the other hand, entails taking on the burden of repaying the loan if the borrower defaults.

Prepare for credit checks: As previously said, certain lenders would encourage you to get prequalified without doing a credit review.

The initial filing, on the other hand, results in a credit inquiry, which momentarily harms your credit, but you'll regain these points once you start repaying the loan.

Frequently Asked Questions.

Can I get a loan even if I have bad or no credit?

Yes, but your options will be more restricted, and you'll have to pay higher interest rates.

If you can't find any FNB loans for blacklisted clients, any lender that will assit you will charge you higher interest rates unlike other people.

Those with bad or no credit are seen as riskier investments than those with decent credit, and lenders hope to be paid accordingly.

The positive thing is that some lenders are willing to deal with “high-risk” customers, and once you receive a loan from them and pay it back on time, you will start rebuilding your reputation, which will help you apply for better loans in the future.

What Types of Loans Are There?

Payday loans, home equity loans, and personal loans are only a few of the lending options available.

Payday loans can be discouraged in general because they have exorbitant interest rates.

Almost all of the loans mentioned above are personal loans.

They're great for financing a large buy, consolidating loans, or just holding your head above water so you can get back on your feet.

Will Applying for A Loan Affect My Credit Score?

When you first apply for a loan, often lenders do a "warm pull" to see what kinds of loans they can give you.

Soft pulls have little or no effect on your credit score.

If you approve a loan bid, though, the lender will almost always conduct a "hard pull" to validate the details you provided on your application.

Hard pulls will have a minor negative effect on your credit, but this will fade within a few months.

Any payday loan companies don't even review credit ratings.

Although this may seem to be a smart idea in principle, lenders also compensate by requiring leverage or charging exorbitant interest rates.

Do I Need to Have A Job To Get A Loan?

While having a career is advantageous, it is also possible to obtain certain loans without one.

Lenders accept a variety of sources of income in addition to employment, including alimony, Social Security, disabilities, and more.

You'll have a rough time finding someone willing to lend to you if you have no income and you won't be able to say you can pay them back.

What’s the Difference Between A Secured And Unsecured Loan?

A secured loan is one in which you give the lender protection in return for money.

Typically, this is some kind of collateral, such as your car title.

There is no need for collateral for an unsecured loan.

Nothing you own can be repossessed if you don't pay, but the loan can be sold to a debt collector if you don't pay.

Failure to pay may be disclosed to credit companies, and if you are sued, your earnings will be garnished before the debt is paid off.

Final Thoughts

FNB loans for blacklisted clients may not be available to you, but you can still apply for payday and short-term loans with other lenders that can assist.

There are many lenders in South Africa that can provide you with personal loans, but of course you interest rates will be slightly higher.

To find out more about FNB personal loans, qualifying criteria and required documentation, we suggest that you visit the official FNB website


FNB Universal
Branch Code

Did you know that, with the help of the FNB universal branch code 250 655, you can now stop using single FNB branch codes that we used in the past.

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