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It is important to remember that your credit score is not fixed - it will change as your financial circumstances. Apply for an easy Cobol Loan of up to R3000 with flexible repayment periods of up to 6 months. 24, LEYDS STREET, 5241. The following are basic and common requirements to apply for bad credit loans: Proof of income (payslip) The following is a list of bad credit providers that you can apply with if you were declined for Capitec blacklisted loans. Loan instalment contribution. The major South African banks we mention do not offer normal credit cards for people who are blacklisted. If the borrower can't pay back the borrowed money, the company can by law take ownership of the valuable that is up against the borrowed finance. You can still get a personal loan if you are blacklisted or have a bad credit record. Here are some of the things you will need to get improve your chances of being approved: A minimum refundable deposit of R 10 000. 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