Need a Loan with Bad Credit? uApply Has You Covered
Looking for a personal loan but worried about your credit history? With uApply, you're not out of options. Whether you need R100 or R250,000, we connect you with a wide network of trusted lenders — many of whom specialise in helping people with less-than-perfect credit.
Been turned down elsewhere? Don’t stress — uApply is designed for people exactly like you.
Why Choose uApply?
- Borrow from R100 to R250,000
- Repayment terms from 3 to 60 months
- 100% online application process
- Same-day payouts available
- Bad credit applications welcome
- We only work with NCR-registered lenders
Do You Qualify?
We keep it simple. You’ll need to:
- Be at least 18 years old
- Be a South African citizen or resident with a valid ID
- Be permanently employed
- Earn R4,000+ per month
- Not currently under debt review
- Consent to a credit check
A Smarter Way to Borrow with Bad Credit
At uApply, we look at your full financial picture — not just your credit score. If you're employed, earning a stable income, and can afford monthly repayments, we’ll do our best to connect you to the right lender.
Depending on your situation, your loan offer may include:
- A smaller initial loan amount
- A longer repayment term
- A slightly higher interest rate
Every application is reviewed individually — we treat you like a person, not a number.
Want to Boost Your Approval Odds?
- Ensure consistent monthly income
- Pay off outstanding debts if possible
- Close any unused credit accounts
- Keep your credit profile simple
Emergency Loan? We’ve Got You.
Whether it’s for car repairs, medical bills, or a home emergency, uApply helps you get funding when you need it most. Our fast, digital-first platform gets you a decision in minutes and funds in hours.
Can I Get My Loan Today?
Yes. Our online system runs 24/7, and many loans are funded within hours of approval — especially smaller amounts like R500 or R1,000. Larger loans may take a bit longer but are still fast compared to traditional lenders.
Are Loans with Bad Credit Guaranteed?
No lender can offer a 100% guarantee — and if someone does, that’s a red flag. But with uApply's panel of specialist lenders and our 84% approval rate, there’s a strong chance we can help you.
We don’t charge any fees to apply, and we’ll always give you an honest answer.
Only Trusted, Direct Lenders
uApply works exclusively with NCR-licensed direct lenders. Your loan application is handled securely, and we never share your data without permission. Our job is to match you with the best lender for your profile — fast, safe, and free.
Ready to Apply?
Applying with uApply takes just 5 minutes. Click below, tell us how much you want to borrow, and get an instant decision. No paperwork. No waiting in lines.