Bad Credit Loans

6 Months Loans For Bad Credit

Feb 9, 2024
6 Months Loans For Bad Credit

Are you in search of loans with long repayment terms having bad credit? 6 month loans can be a suitable option for you at CoreLoans, with faster approval than traditional loans from some financial experts in South Africa.

Some limited lenders in South Africa responsibly work on your loan application once they receive your financial aid request. Your bad credit is not a problem for such lenders to be approved because your loan repayment ability matters most.

What are 6 months loans for bad credit?

6 month loans for bad credit are short-term loans that you can apply for up to R5,000 or more with your bad credit. These funds are more expensive than bank or traditional loans, and they are paid back as soon as possible in 6 months to avoid extra charges.

But the exciting thing is you can tackle all short-term emergencies, including repairing a car, medical bills, rent payments, debt consolidation and holiday expenses. There can be some more household expenses, which can also be fixed using these funds.

The best part is you can apply for these urgent loans even if your credit score is bad from some trustworthy lenders. Having bad credit doesn’t help you avail of financial services quickly, but this seems possible with us.

How do 6 month urgent loans for bad credit work in South Africa?

6 month urgent loans for bad credit work the same way as other loans in South Africa. But the only difference is you can complete the process in 4 easy steps and get faster approval than conventional loans in a few minutes only.

Apply with us in minutes:

  • Fill out the online application: You must complete a simple online application with employment and some personal details with authenticity.
  • Have some patience: Your details are verified by our lenders, so you need to keep some patience until you are approved. You get the confirmation for either approval or disapproval on your email ID.
  • Sign a loan agreement: If our lenders approve your loan application, you will receive a loan agreement. You should read its terms and conditions before signing the loan agreement.
  • Fund disbursement: Funds are transferred to your bank account in 10 to 15 minutes on the same day to cover unexpected emergencies.

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What are eligibility requirements for 6 month short term loans?

6 month short-term loans come with some basic requirements that borrowers need to arrange to meet the eligibility criteria.

  • Age: Your minimum age should be 18 to qualify from our reputable lenders for online funds in South Africa.
  • A regular income: Make sure you have a regular income of any type for making loan repayments after using funds over various household expenses.
  • A bank account: An active bank account is required by our trustable lenders to send you the money for some safety reasons.
  • Citizenship of South Africa: Your citizenship of South Africa is mandatory, so you must check this out before applying for such funds.
  • Contact details: You need a valid email ID, permanent address proof and contact number in contact details.

What are pros and cons of small loans from direct lenders?

When applying for loans from direct lenders in South Africa, small loans come with pros and cons. Therefore, you should check out both of them before making your final decision on such personal loans in your province.


  • Easy to access: You can get access very quickly because you have to apply for such funds online, which is convenient for all.
  • Approval in minutes: Borrowers can get fast approval for these loans as soon as lenders verify all their details.
  • Minimum requirements: There are some minimum requirements for small loans when applying from reliable lenders in South Africa.
  • 24/7 availability: You can apply for online funds 24/7 anytime is one of the benefits that borrowers always expect.
  • No hidden charges: You may have to pay no charges after or before, except high-interest rates will be imposed.


  • High interest rates: Small loans usually come with high-interest rates to pay on your next payday is considered a negative factor.
  • Debt cycle: Once you have broken the chain of payments, the debt cycle may begin. Then, it would help if you faced challenges to come out of the debt cycle.
  • Small term: Some loans have small repayment terms, which is also considered a disadvantage.

Are 6 month loans with no credit check possible?

Yes, you can apply for 6 month loan with no credit check from some limited lenders who value your loan repayment ability to get back their funds on time. Thus, they don’t do hard credit checks, unlike traditional South African lenders.

A soft credit check is enough for such reliable lenders where last made payments are checked without affecting your loan approval. It can be one of the best times for borrowers who have defaulted on their loan payments and need financial aid from some financial experts.

Where can you apply for instant cash loans for bad credit?

You can apply for instant cash loans for bad credit with our most reliable lenders without complications of paperwork formalities or anything. The best part is that they don’t make you struggle to get access because you can apply online and get approved fast.

With some minimum requirements, they can fund you the same day you are approved. Conventional lenders might not help you financially if your credit score is average, or you may have to pay high with limited features.

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6 Months Loans For Bad Credit- Some FAQs

Can I get emergency loans if I have a low income?

Yes, you can apply for emergency loans despite having a low income from our lenders. They need you to afford your loan payments on time, whether you have low or high income.

Do small personal loans hurt credit scores in South Africa?

No, Small personal loans don’t hurt your credit score until you stop making your loan payments on time. Or else you default on your payments.

Do I need any assets to carry in exchange of 1 hour payday loans?

These types of loans are unsecured loans which don’t require any collateral. Therefore, such funds come with high-interest rates in South Africa.

What credit score do I need to qualify for instant cash loans?

Some trustable lenders don’t worry about your credit score if you can make your loan payments on time.

What if I default on my loan, unfortunately?

There can be certain penalty charges for making late payments or defaulting on loan payments by lenders.

Ready to apply with a trusted lender?

Applying does NOT affect your credit score‡

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