Loans for Blacklisted

What does Blacklisted mean?
Many people believe that by having a bad credit history you are barred from being able to get a loan in the future and that your details are added to a "credit blacklist" meaning you will not be eligible for a loan.

In reality, many loan applications are rejected because the client does not meet the criteria defined by the lender they are applying to. When you apply for a loan, each lender will determine whether your circumstances are acceptable to their lending criteria. If you meet their guidelines, you will normally be offered a loan. If not, you will be turned down.

Being refused credit by one lender, doesn’t necessarily mean you will be refused by another. Each lender has their own criteria they need to keep to and this varies from company to company. Lenders do share information through individual's credit reports, but each lender examines the information on your credit report and assesses you based only on their own guidelines.

You may have been refused a loan before but now need a loan to buy a car, or for car repairs, or you may need a loan for home improvements. Loans are available for people who have had prior credit problems but are now in a different financial situation. If you need to pay off your debts quickly, maybe to pay off other loans or credit cards, we may be able to help you, even if you think you are on a 'blacklist'.

To apply for a loan?
Apply online on our website and send the required supporting documents via email to
1. Copy of ID or passport
2. Last 3 months personal bank statements or payslips

Application takes less than 5 minutes. Apply Now

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Finsap Loans is a direct loan lender offering different loan types.

More about our products

Personal Loans

Our approach to lending has always been, and always will be, personal. We’ve helped individuals in South Africa, but we know that every customer - Find out more.

Business Loans

Business loans are very common and one of the first options for businesses looking to raise finance.
The lender provides money that you, as the borrower, pay back - Find out more.

Debt Consolidation Loans

A debt consolidation loan is designed to help you get on top of any outstanding credit you have by moving some or all your debt - Find out more.

Home Loans

Our award-winning range of home finance products let you release tax-free cash from your home, second home or buy-to-let property, without the need to sell or transfer ownership. – Find out more.

Loans for Blacklisted

Many people believe that by having a bad credit history you are barred from being able to get a loan in the future and that your details – Find out more.

PayDay Loans

A payday loan is a short-term, small loan that you repay once you receive your next pay – Find out more.

Home Improvement Loans

A home improvement loan allows you to spread the cost of your project with a clear view of what you'll pay each month from the start – Find out more.

Can we help you today? Whether it’s a question or you just need support, we’re here to help.Get in touch