Binixo does not set credit cost — each NCR-registered partner fixes rate, fees and schedule. Figures below summarise Binixo's own platform-level disclosures.
Binixo is free to compare — verify each matched lender's NCRCP on ncr.org.za before signing.
Binixo does not lend or pay out funds; your chosen NCR-registered partner handles both.
Key parameters
| Parameter | Value |
|---|---|
| Loan amount range (homepage slider) | R1,000 – R50,000 |
| Repayment period (legal-information section) | Minimum 91 days, maximum 120 days |
| Repayment period (homepage wording) | Up to 6 months |
| Annual interest rate | 0% (promotional, select partners) – 36% representative APR |
| Platform / comparison fee | R0 |
| Commission charged to borrower for arranging a loan | None |
| Lender regulation | NCR-registered under the National Credit Act 34 of 2005 |
Binixo is free to compare — verify each matched lender's NCRCP on ncr.org.za before signing.
Binixo does not lend or pay out funds; your chosen NCR-registered partner handles both.
Representative example (published by Binixo)
Binixo's legal-information page shows this illustrative example:
| Component | Value |
|---|---|
| Loan amount | R3,000 |
| Repayment term | 3 months |
| Monthly repayment | R1,000 |
| Total amount repayable | R3,000 |
| Total cost of credit | R0 |
| Interest rate | 0% per annum |
This is a promotional 0% partner offer for qualifying applicants — illustrative only. Repeat borrowers should expect closer to the disclosed 36% APR representative rate per the matched lender's assessment.
Binixo is free to compare — verify each matched lender's NCRCP on ncr.org.za before signing.
Binixo does not lend or pay out funds; your chosen NCR-registered partner handles both.
Requirements to qualify (typical, verify with your matched lender)
- SA citizen or permanent resident, 18+
- Valid SA ID
- Active SA bank account in your own name
- Verifiable regular income
- Active mobile number for verification
Binixo is free to compare — verify each matched lender's NCRCP on ncr.org.za before signing.
Binixo does not lend or pay out funds; your chosen NCR-registered partner handles both.
Why the published terms vary
With multiple independent lenders, no single APR, fee schedule or term applies to everyone. Your matched lender sets final cost within NCA limits — disclosed in a pre-agreement quotation before sign-off, not on Binixo marketing pages.
Risk warning
Partner-loan credit falls under NCA 34 of 2005. Late or missed payments bring penalty interest, bureau listings and possible collection. Accept only what you can repay on time; read the lender's full pre-agreement quotation before signing.
Binixo is free to compare — verify each matched lender's NCRCP on ncr.org.za before signing.
Binixo does not lend or pay out funds; your chosen NCR-registered partner handles both.
FAQ — Terms
Is the 0% interest rate guaranteed? No — 0% is a promo via select partners for qualifying, often first-time, applicants. Most loans sit in the disclosed 0%–36% APR range.
Why does Binixo show two different maximum repayment terms? Homepage marketing cites up to 6 months; legal info states 91–120 days. Your lender's pre-agreement quotation is binding.