There are lenders in South Africa who are willing to offer you a loan even if you have bad credit score or you have been denied credit facility by the bank. When you have bad credit score, this means that you have been blacklisted and not qualify for a loan.
If you really need a loan and you know that you are blacklisted the best option is to offer a loan security such as you home, a car to a lending institution or bank.
The purpose of the loan security is to ensure that your security asset can be repossessed if you fail to honor the loan.
The best way to find a good lender when you have a bad credit is to Start by searching and researching for legitimate lenders such as local banks and credit unions, as well as visiting well known online lenders.