Rating based on 40 reviews


  • Loans bad credit up to R1,000,000
  • Low-interest starting from 3%
  • Repayment up to 12 months

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Lulalend homepage
Author Lulalend. Screenshot of Lulalend website.
[Accessed January 5, 2021]

Lulalend - fast bad credit loans

Lulalend is not just your average company, we are an ever-growing business that strives for excellence at every opportunity.

Our ultimate goal is to lift and empower small businesses in South Africa by offering them business loan products and services to match their ever-changing needs. When it comes to funding for something that is going to assist the individuals in this country with their personal or business finance, we’ve got it covered!

Tailor-made loans

We have designed our services to meet the needs of our very busy clients. Lulalend knows all about the value of time, hence our quick loan offerings that aid our clients in the process part of loan applications.

No one wishes to sit around waiting in painful queues, carrying pages and pages of paperwork, we just want to get things done in the shortest time possible!

A transparent loan service

Transparency is something we take pride in offering all consumers that deal with Lulalend, therefore you needn’t worry about little surprises that creep up after all is signed and sealed.

You’ll be fully informed on the costs that your good or even bad credit loan will comprise of and you’ll also have a clear amount that you need to repay every month in order to determine affordability prior to signing any loan.

Quick online applications

We all know how to fill in a form thankfully, and an online application is no different. You simply need to have an internet connection and your paperwork handy for uploading when the time comes to do so.  

Instant loans are one of the products that individuals choose for every cash emergency they’re faced with.

It’s a fuss-free process that can have your funds deposited into your account within 24 hours of applying!

You can even apply for an obligation free quote if you so wish prior to deciding on which loan will work for you.

Unsecured loans

The best part about our bad credit loans is that no collateral is needed! Mandy lenders do require this and it’s not always easy to produce.

For flexible repayments and a service that goes unmatched in the industry, look no further than Lulalend’s online financial products.


It’s easy to apply because it’s a short-term loan that generally isn’t for a major amount either, meaning very little hassle and risk is involved.

You need to produce a proof of residence and proof of employment, but apart from that, your ID and recent bank statements is all that we need.

Lulalend – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 310% p/a
  • Loan Amount up to R1,000,000
  • Repayment 6 months to 12 months

Benefits of Lulalend

  • Loans for clients with a bad credit history
  • Competitive interest rates
  • Quick online loan applications

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Lulalend boasts the change we wish to see with all private lenders out there

If you have a question – call! We’re here to help you with anything you need. We have all the answers and where you’re unsure, we’ll guide you in the right direction!

Our decisions are instant! If all your details are in order and your affordability checks out, then you’ll get approval and the personal loan will be credited to your account instantly!  

A reliable lender

How often do you find yourself calling a call centre number only to be met with 10 different bad credit loan options, of which none resemble the query you have? Sound familiar? Well with Lulalend you can experience first-hand what it feels like to have a personalized experience where true customer service is our number one priority. Don’t talk to a machine when you can converse with one of our dynamic and skilled consultants. No matter how big or small the query is, we will endeavour to resolve it the best way we can.

We have absolutely no restrictions on the use of your funds through any of the loan options you might register for. Unlike other lenders who might require the reasons behind the personal or payday loan, we simply want to help you resolve your cash emergencies and financial requirements no matter why you feel it might be an emergency.

Fast loan pay-outs

You only need to refer to our online testimonials to read how well clients have responded to the experience they had during their online loan applications and agreements. Don’t wait any longer to guess and procrastinate over the joy a loan from Lulalend will bring, join the club and feel a part of something much bigger! Which is a network of happy customers that all keep returning for other loan types with us?

For fast funding, an efficient team of staff to help you along the way and a proven track record of the best money borrowing experience around, then visit Lulalend online and see for yourself how we are the different people wish to be a part of when you have financial loan needs.

Customer Reviews & Testimonials

May 2019

Applying for a loan has never been easier even if you have bad credit Lulalend goes above and beyond to help you get your loan that you need I highly recommend them.

Cindy M
— King Williams Town —

November 2018

It was surprisingly easy to get a loan despite my bad credit history.

Jean S
— Port Elizabeth —

Lulalend Contact

Contact Number



Physical Address

  • 1st Floor, 81 Church Street, Cape Town City Center Cape Town Western Cape 8000 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed