Binixo review
A second front door to lenders already on this list; its own legal text contradicts itself.
A Cyprus-run comparison front end whose named partners — Crezu, LendPlus, PrimeLoans and MyLoan — are matching services and lenders you can reach directly. Its legal block gives two different term ranges.
Who it suits: Only if you specifically want one form sent to the Crezu and MyLoan panels at once.
What a matching service is
Binixo does not lend money, set interest rates or make credit decisions. It collects your details and passes them to lenders that pay it a referral fee. The lender that accepts you runs the affordability assessment, issues the quotation and pays out; your agreement is with that lender. The fee can't be added to your loan — costs are capped by the National Credit Act however you applied.
MoneyMatcher rating
2.5- Transparency
- 2/5
- Cost
- 3/5
- Speed
- 3/5
- Flexibility
- 2/5
Operator named, costs published, claims that match the law
How far below the legal maximum it prices
Application to money in your account
Amounts, terms, extensions, early settlement
Borrowing money costs money — only borrow what you can afford to repay. Lenders listed here publish a National Credit Regulator registration; matching services are not lenders and are labelled as such. The order of our lists reflects our partner agreements; the star ratings are our own. Costs shown as "legal maximum" are the caps set by the National Credit Act, not a lender's price.
Key facts
Read from the company's own site on 25 August 2026
| Type | Matching service — not a credit provider |
|---|---|
| Legal name | INFINSA LTD |
| Company registration | 60165589P (Cyprus) |
| Operator | INFINSA LTD, Larnaca, Cyprus |
| Products | short-term, personal |
| Advertised range | R1 000 – R50 000 |
| Terms | 3 months – 6 months |
| Payout | Set by the lender you choose; the site says same day |
| Cost example | Site's representative example: R3 000 over 3 months at 0%, R3 000 to repay — a first-loan promotion, not a standing rate Source: https://binixo.co.za/ (legal block) |
| First-loan offer | Partner lenders may offer a first loan at 0% interest, subject to the lender's terms Source: https://binixo.co.za/ |
| Website | binixo.co.za |
Source: https://binixo.co.za/ (R1 000–R50 000 slider; partners Crezu, LendPlus, MyLoan, PrimeLoans; 0–36% a year; terms stated as 91–120 days in one block and up to 6 months in another; INFINSA LTD)
Where it does well
- Free, names its partners and its operator
Where it doesn't
- Partners overlap with other entries here, so it adds a layer rather than options
- Inconsistent term and rate disclosures on its own site
- Not a credit provider
Questions about Binixo
›Is Binixo a lender?
No. Binixo is a matching service run by INFINSA LTD, Larnaca, Cyprus. It forwards your application to registered credit providers; any loan agreement is between you and the lender that accepts you.
›Does Binixo charge me anything?
No. Matching services are paid by the lenders they refer to. That fee cannot be added to your loan cost, which is capped by the National Credit Act regardless of how you applied.
›Will Binixo check my credit record?
The platform itself usually runs a soft pre-check. The lender it forwards you to must run a full affordability assessment, including a credit check, before granting credit — no registered lender can skip that.
›How much can I get through Binixo?
The site advertises R1 000 – R50 000, which is the range across its partner lenders. Your offer depends on the lender's assessment, and most applicants are offered far less than the headline maximum.
Alternatives to Binixo
Crezu
Names its operator, publishes its terms and an example, and covers everything from R500 to a consolidation loan.
LendPlus
Publishes its full pricing and pays out at weekends via eWallet; the price is near the legal cap.
PrimeLoans
The clearest pricing on the list — a full worked example with VAT — and two to three months to repay.
Binixo
2.5