Need a Loan or Finance? Blacklisted?

Need a Personal Loan? We can assist.

Need a Loan or Finance? Blacklisted?

Need a Loan for that Personal Item?

Need a Loan or Finance? Blacklisted?

Need a Loan or Finance? Blacklisted?

Frequently Asked Loan Questions

Questions: Can I apply for a blacklisted loan?
Answer: Yes. Those who are blacklisted may apply for online loans through Dotloans. Our team of financial experts will do our best to find a suitable lender.

Question: Do you provide no credit check loans?
Answer: No, as trusted financiers with the best interest of our clients and lenders in mind, no loan can be granted by Dotloans without standard credit and affordability checks to protect both parties.

Question: Can I acquire instant online loans through Dotloans?
Answer: No. Once an online loan has been requested, standard affordability tests could take as little as 2 days. Although loans will not be instantly granted, the process is a quick one.

Question: Are loans with no credit check ever possible?
Answer: Loans with no credit check will not be granted by responsible personal financiers. Regulations through the National Credit Amendment Act make it mandatory for credit providers to perform affordability assessments before extending credit.

Question: Can I apply for a guaranteed loan?
Answer: No personal financier can guarantee a loan. This will depend on the result of your affordability assessment.

Question: Can I apply for a quick loan with no credit check?
Answer: No. Quick loans with no credit check would be considered reckless lending.

Question: Does Dotloans provide instant loans?
Answer: No. Before any loan is approved, we will first conduct affordability assessments in order to ensure responsible lending, which could take as little as 2 days.

Question: Can I apply for 90 day payday loans?
Answer: Yes. A loan through Dotloans can be paid back in an agreed upon timeframe that could be 30 days, 90 days or even several years.

Question: Can I apply for same day loans with Dotloans?
Answer: No. Just as with quick loans, same day loans would be considered reckless lending. Dotloans would first ensure that the necessary credit checks have been performed.


Fees and interest charged in terms of chapter 5 of the National Credit Act (NCA) no 34 of 2005:

Initiation Fee of 15% of the Loan Amount up to R1 000, thereafter 10 % (+ VAT) Services Fee of R50 per month (+ VAT)

Interest charged: Per Day: 0.17% Per Month: 5% Per Annum: 60%

PLEASE NOTE: Every Lender has their own policy - this is only a guideline for a cash loan. Our various lenders offers personal loans up to R250 000.

Illustrative Example On An One Month CASH LOAN:

Loan amount: R1 000
Term: 1 month
Initiation Fee: R150
Services Fee: R57
Interest: 32.74%
Total Instalment: R1 474
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