Binixo review
Binixo is a loan-matching service: it passes your application to partner lenders, for R1,000 – R50,000.
Apply at Binixo
Binixo
Loan-matching service
- Loan amount
- R1,000 – R50,000
- Term
- Up to 6 months
- Rate
- 0% – 36% per year (set by matched lender)
- Company
- INFINSA LTD
- Based in
- Cyprus
- Checked
- October 2026
Binixo is not a registered credit provider. It passes your details to partner lenders. The lender you are matched with sets the rate, fees and term, and must be registered with the NCR. Check that lender's NCR number before you sign.
About Binixo
Binixo is not a credit provider. It passes your application to partner lenders, and the lender you are matched with sets the rate, fees and term. It is run by INFINSA LTD in Cyprus (registration 60165589P (published as both 'registration number' and 'tax identification number')).
Binixo offers R1,000 – R50,000 over Up to 6 months. Its published rate is 0% – 36% per year (set by matched lender).
On speed, Binixo says: Binixo does not pay out loans. Its FAQ says: "how quickly funds are disbursed after that is determined by your lender, not by Binixo." We have not tested this ourselves.
What Binixo says a loan costs
Binixo's own example: Binixo's own wording: "A personal loan of R3,000 repaid over 3 months. Monthly repayment: R1,000. Total amount repayable: R3,000. Total cost of credit: R0. Interest rate: 0% per annum."
Fees as published: Binixo says it is free and does not charge commission. Lender fees are not published; Binixo shows an illustrative R150 initiation fee and R69 monthly service fee in its risk warning.
The lender you are matched with must give you a written quotation first. Compare the total amount you will repay, not only the rate.
Binixo requirements
- Be 18 or older
- Resident of South Africa
- Legal capacity to enter into an agreement
- Other criteria are set by the lender you are matched with
Documents you'll need
- Not published by Binixo; the matched lender will ask for its own documents
Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.
How to apply at Binixo
- Choose an amount on binixo.co.za and open the form.
- Fill in your basic details (Binixo says it takes about 2 minutes).
- Binixo sends your details to lending partners to compare offers.
- Choose an offer and apply directly with that lender.
- Read the lender's quotation and agreement before you sign.
We may earn a commission if you apply through this link. It does not change what you pay. How we make money.
Binixo contact details and login
| Website | https://binixo.co.za |
|---|---|
| support@binixo.co.za | |
| Address | Griva Digeni 49, 5th Floor, office 51, 6036, Larnaca, Cyprus |
Taken from Binixo's own website in October 2026. Lendable Marketplace is not Binixo and can't help with your account.
What customers say
- Trustpilot: 3.7, from 1 reviews (checked 2026-10-01).
We don't give our own star ratings. These scores are from independent review sites and can change daily.
Pros and cons
Pros
- Free to use, with no commission charged to you.
- Says it only works with NCR-registered lenders.
- Clear statement that it is not a lender.
- Publishes a risk warning with NCA rights and debt counselling information.
Cons
- Not a lender and not registered with the NCR.
- Your details are shared with lending partners and other partners.
- Offshore operator in Cyprus, founded in 2025.
- Email is the only contact method; no phone or login.
- Published term ranges contradict each other (up to 6 months vs 91–120 days).
Alternatives to Binixo
Other loan-matching services on our panel of 15:
- Finpug — R500 – R50,000, 61 – 365 days.
- MoneyHello — R500 – R25,000, 3 – 72 months.
- Creditomax — R500 – R15,000, 61 – 365 days.
Related: Short-term loans, Online loans, Bad credit loans, Compare all lenders.
Questions to ask Binixo before you sign
- What is the total amount I will repay, in rand, including interest and all fees?
- Which lender will I sign with, and what is its NCR number?
- What happens if I repay early, or miss a payment?
- Is any insurance compulsory, and what does it cost each month?
Struggling with debt already? Speak to a registered debt counsellor via the NCR before you borrow more.
How we checked this review
We checked Binixo's own website and terms, in October 2026. We did not take out a loan. Spotted something out of date? Tell us and we'll check it. Read how we make money and check providers.
- Binixo home page
- Binixo terms and conditions
- Binixo about us / contacts
- Binixo risk warning and regulatory disclosure
- NCR register of registered credit providers
- Trustpilot – Binixo
- Hellopeter search (no Binixo listing found)
Binixo — frequently asked questions
Is Binixo a lender?
No. Binixo is a free comparison service run by INFINSA LTD in Cyprus. It passes your details to lending partners. The lender you choose sets the rate, fees and term.
What do I need to use Binixo?
You must be 18 or older and live in South Africa. The lender you are matched with will set its own income, document and credit checks.
How do I apply through Binixo?
Choose an amount and fill in the short form on binixo.co.za. Binixo compares offers from its partners. You then apply directly with the lender you pick.
How do I contact Binixo?
Email support@binixo.co.za. Complaints go to complaints@binixo.co.za. There is no customer login or phone number. For loan questions, contact your lender.
Is Binixo registered with the NCR?
No. Binixo is not a credit provider and does not appear on the NCR register. Check that any lender it shows you has an NCRCP number at ncr.org.za.
What if I can't repay my loan?
Contact your lender straight away. Binixo does not receive payments. If you are over-indebted, speak to an NCR-registered debt counsellor or call the NCR on 0860 627 627.