The Blacklisted Loan

Here is what a blacklisting does not change: the rent date, the school calendar, the price of petrol, or your family's needs. Life keeps invoicing you at full speed while your credit record limps behind. Minute Loans closes that gap with blacklisted loans - fast, legal finance for people the banks have written off.

Security Instead of Score

Where an ordinary loan leans on your credit report, a blacklisted loan leans on collateral: an item of value you put up as security for the agreement. Honour the repayments and the item never leaves your life; default and it is at risk - which is precisely why we size the loan to your genuine affordability rather than the maximum we could technically approve. Every term is explained before you sign, and every question gets a straight answer.

A Loan Now, a Clean Record Next

The smartest use of a blacklisted loan is as a bridge while the underlying problem gets fixed. Our ITC Clearance service removes the defaults, judgements and stale listings that caused the blacklisting in the first place - many clients run both tracks at once, covering today's expense while tomorrow's credit access gets rebuilt. Start with our guide to clearing your name on ITC.

Regulated at Every Step

Blacklisted lending attracts predators, so choose the regulated route: our lending partners hold NCR registration and price strictly within the National Credit Act. You need an SA ID, a bank account and R3 000+ monthly income to apply.

Compare the alternatives on our loan types page, or skip ahead - the application takes minutes.