mymulah.co.za | Get an online payday loan in South Africa

We provide diverse loan options for personal, business, and investment needs.
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Fast, Safe, and Simple Loans in South Africa

 

Get up to R8,000 with same-day approval and flexible repayment terms.

 

Required documents

  • Cellphone number
  • SA ID number
  • Bank account details
  • Latest 3 months bank statements (showing latest 3 salary deposits)

New customers can apply for up to R4000. Existing customers up to R8000.

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How It Works

We’ve made getting a loan fast, simple, and stress-free for South Africans.

Choose The Loan Amount

Use the slider calculator to determine the loan amount and repayment period, and see the interest rates and repayment amount instantly.
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Register Online

Fill in the quick and easy loan application form with your employment status and South African Citizen ID number so we can do a quick credit check.

Credit Assessment

A credit assessment is conducted, and if you’re approved, your loan will be granted!

Quick Ching !

Mulah transferred directly into your bank account on the same day if you apply before 3:00pm.

What Our Customers Have to Say

Here’s what real South Africans are saying about their MyMulah experience.

4.9-star rating with almost 6,300 reviews!

We have provided customers all over South Africa with fast pay day loans and are proud to have a 4.9-star rating with almost 6,300 reviews!

by BESTloans

“MyMulah saved me when I needed cash fast! The process was so easy!”
– Naledi, Pretoria

“Best payday loan service in South Africa. Quick and transparent.”

– Sipho, Durban

“I got my loan approved in minutes and the money was in my account the same day!”
– Thandi, Cape Town

Need A Quick Pay Day Loan? MyMulah Is Here To Help!

Life throws curveballs sometimes, leaving you a little short on cash. Car troubles? Unexpected bill? Don’t sweat it, MyMulah’s got your back, South Africa!

We offer payday loans, also known as short-term loans or emergency loans, that can help you bridge the gap until your next paycheck. Think of us as your financial cheerleader, ready to shout “You got this!” with a quick cash boost.

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Instant Cash Loan Decisions (almost!)

Our speedy online application process takes minutes, and you’ll know nearly instantly if you’re approved. No waiting in line or endless paperwork.
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Funds in a Flash

Once you’re good to go, we’ll transfer the moolah straight into your bank account. That way, you can tackle that surprise expense ASAP.
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Transparency You Can Trust

We don’t play any hidden fee games. You’ll see everything upfront before you commit, so you can make an informed decision.

**Whether you call them payday loans, short-term loans, emergency loans, or even instant cash loans (hey, it works!), MyMulah is here to help responsible borrowers in South Africa get the financial nudge they need.

Pay Day Loan Borrower Requirements

Wondering if you qualify? Here’s what you need to get a MyMulah loan.

You must be 21+, Reside in South Africa and have a valid ID, Provide proof of your income, Have an active checking account

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Repayment Terms

All payments are collected via debit order in a single payment direct from your bank account on the date of your next payday.

Contract Renewal

Our renewals are not automatic. New loan offers and loan extensions will be handled as a new loan agreement, and the same interest rates will apply for these loans.

Implications of Non-Payment

Non-payment of your account will result in an R60 service fee and 5% interest added every month. Failure to repay a loan will lead to Credit Reference Agencies being notified and potential legal action being taken, both of which could impair your credit score.

About MyMulah

We’re a team that gets it—unexpected bills happen, and we’re here to help South Africans like you.

About MyMulah

At MyMulah, we’re a young, tech-savvy team with a background in finance, just like many of our customers. We know unexpected bills can happen, and that’s why we offer quick and easy financial help. We believe everyone deserves a chance to get back on track, so we provide innovative online loans to get you by.

Our Loan Services

Need a short-term financial boost? MyMulah is here to help. We specialise in providing easy and affordable online loans for people in South Africa. Our application process is quick and hassle-free, so you can get the money you need fast. Plus, with our online platform, repaying your loan is a breeze.

MyMulah Pay Day Loans FAQs

Got questions? We’ve got answers to make your loan journey smooth and clear.
Who can apply for a MyMulah loan?
Only South African citizens qualify for a MyMulah loan. You must have a regular income and a bank account into which your salary is deposited monthly. Oh, and you must be over the age of 21—that way we know you won’t spend it at the games arcade. (We’re kidding about the game arcade part, but the age thing still applies!) You must also have a valid email address and cell phone number so we can keep in touch while the loan is being processed.
How much can I borrow and how long can I borrow it for?

If it’s your first time applying for a MyMulah loan, the loan limit is R2500. The more loans you make and repay, the higher your MyMulah trust rating gets. The higher your trust rating becomes, the more money you qualify to borrow, up to R8000! You can easily calculate the days, interest, and costs of the loan until your next payday when you’ll be required to repay it. Simply slide the MyMulah widget (at the top of the page) to select the loan amount and the number of days till your next payday. Keep in mind that MyMulah will expect repayment by the date you’ve selected, so be reasonable and realistic, please. After your first loan, future applications are even easier and quicker to complete.

Do you approve all banks?
We can only approve your loan if you belong to the following banks:
Absa
FNB
Standard Bank
Nedbank
Capitec