Loans For Bad Credit

Say goodbye to financial stress with Gasta loan services.

  • Quick processes
  • Lower Rates
  • Instant disbursement
  • Flexible repayment

Immediate Online Payday Loans for Poor Credit – Instant Decision

Many of us have been in a situation where the cash runs out a few days before the paycheck. Someone can be lucky enough to have the opportunity to borrow some money from friends or family. Someone can be eligible for personal loans or good credit cards. Nevertheless, remember that borrowing fast funds from close people may not be the best idea for various reasons. And what if you have poor credit? In this case, personal loans can be difficult to get. This is where loans for bad credit from Gasta come in. We can help you get access to small cash loans from direct lenders at the best terms and conditions, even if you have bad credit.

What Is a Bad Credit Score?

The biggest impediment for most borrowers who choose to apply for a traditional bank loan is their poor credit score. The credit score is pulled by four major credit bureaus: (Experian, TransUnion, Compuscan, and XDS). It may vary based on the credit scoring model your lender uses (FICO or VantageScore).

Generally, checked with the VantageScore model, the borrower’s credit score will be considered “poor” between 500 and 600, and “very poor” between 300 and 499. At the same time, checked with the FICO model, credit scores are considered “very poor” between 300 and 579 (between 580 and 669 they are considered “fair”).

How do Online Loans for Bad Credit Work?

A payday loan is a short term loan designed for small amounts of money, usually between R100 and R4,000, which are repaid until the next payday. The typical charge is about R10 to R25 in costs and fees per R100 borrowed. Advertised interest rates (APR) are typically around 300 to 500 percent. They are designed to cover an emergency and should never be used to solve a long-term money issue.

The online bad credit loan application process is easy and straightforward. Our customers only must provide basic personal information, along with other important details for a loan decision.

Once you submit your quick loan application, we connect you to one of our online direct lenders. Our lenders don’t check your credit history, so your bad credit score is not a problem. They only run a soft credit check, which leaves no marks on your credit report. If approved, you will receive a loan offer on your email address. You might get approved in a matter of minutes. Once agreed to the offered terms, the approved loan amount might be deposited into your bank account by the next business day.

Information provided on customers’ applications on our website is secure. We don’t keep your personal information and don’t share it with third parties. These loans are usually paid straight into customer’s bank account, often within 24 hours of the application being approved. On the due date, the loan amount, plus interest, is taken directly from the customer’s bank account. Repay the loan on time to avoid different negative consequences. You can apply for new loans after you paid off your existing debt. You may not be able to submit multiple applications at a time.

Requirements to Apply for an Immediate Decision Loan with Bad Credit

Minimum eligibility criteria for instant cash loans may vary slightly from lender to lender, and from state to state. Generally, to qualify for small loans online, a borrower must:

  • Be at least 18 years old
  • Have a savings or checking account in ZA
  • Be able to provide proof of a regular income Or 3 months Bank statements
  • Have an active phone number
  • Have a valid email
  • Be a South Africa citizen or permanent resident

A borrower also needs a valid phone number and working email address. Only ZA residents are eligible.

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Avoid Overpaying for your Instant Online Payday Loan

When searching for the quickest loan available to cover your emergency financial needs (such as car repairs or medical bills), it’s easy to fall into a predatory trap. Before you accept an online loan offer, it’s better to check if the lender does not charge an excessive interest rate or require extra fees. Remember that applying for a cash advance must be free, and a loan decision (not loan approval) must be guaranteed and instant.

Using our website, you make sure applying for online loans is secure and fast. We partner with many licensed, trustworthy direct lenders in the South Africa who offer safe loan products that may be right for your individual financial needs. No need to do your homework to avoid lenders who might take advantage of your situation with us. More than that, our service is free of charge. We don’t require an extra fee or hidden payments for connecting you with a payday lender.

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Commonly Asked Questions ✍️

We’re here to answer your questions

What’s the easiest loan to get with bad credit?

One of the easiest bad credit loans to get approved for is a payday loan. Its main features are simple requirements, easy application, instant approval, and funding on the following business day. You need to check the cash advance status in your state before considering this fast funding option.

Can i get instant decision loans with no credit check?

The lenders in our base can approve you for a loan with no hard credit check, but never with no credit check at all. Most of them perform a soft pull to give you the guaranteed loan decision immediately. This soft check does not affect your credit score.

How can I get an immediate cash loan with bad credit?

The instant loan application process is quick and easy and can be completed within minutes. You are required to provide basic personal details. If approved, you could get the funds as soon as the next business day or even earlier.

Which loan company is best for bad credit?

Gasta offers safe financial solutions for residents throughout the ZA, regardless of their scores. We can help you find an installment loan, personal loan or cash advance from loan lenders that suit best your financial needs. Borrow money instantly with Gasta!

It Takes Less Than 5 Min

We will try to connect you with a direct lender no matter what your credit score is.

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Gasta Benefits

There are many reasons behind choosing Gasta to fund your financial needs, and some are:



You can apply for online instant payday loans from anywhere by using active internet connection. There's no involvement of paperwork or any other hassle.


Money 24/7

From application to getting money from payday loan, whole process usually completed within few minutes. It means you can get cash quickly, especially during emergencies.



Online payday loans are not just convenient and fast, but they are also safe and secure way of borrowing money. These loans are regulated by government laws.


No Hard Credit Checks

There are no hard credit checks involvement with payday loans. It means, there is no need to worry about loan rejection due to bad credit score.

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Our partners

We only partner with NCR certified lenders